Concerns automobile insurance practices.

This bill requires 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 cause (driving-related vs. non-driving-related offenses). It also mandates examining how credit ratings and addresses influence premium calculations. The investigation must determine if factors like non-driving suspensions or credit scores fairly justify higher premiums. The findings must be reported to the Governor and Legislature within two years, and the bill expires 90 days after that report is submitted. This applies to all drivers in New Jersey whose insurance rates may be affected by these practices.