Concerns automobile insurance practices.

This bill directs New Jersey's Commissioner of Banking and Insurance to investigate whether automobile insurance premium increases for drivers with license suspensions are justified based on the suspension's reason (driving-related vs. non-driving offenses) and whether credit scores or addresses factor unfairly into premium calculations. It requires the Commissioner to evaluate if these factors truly correlate with risk or if they create unfair costs for drivers. The investigation must conclude with a report to the Governor and Legislature within two years of starting. The bill does not change current insurance laws but mandates this study to assess potential fairness in industry practices.