Concerns automobile insurance practices.

S 221 requires New Jersey's Commissioner of Banking and Insurance to investigate how auto insurance companies set rates for drivers with suspended licenses. The investigation will specifically examine whether premium increases are justified for license suspensions unrelated to driving (like traffic violations) and how credit scores and addresses factor into rate calculations. The commissioner must compare these practices and report findings to the Governor and Legislature within two years of starting the investigation. This bill does not change current insurance rules but mandates a review of industry practices affecting drivers with license suspensions. The investigation is prompted by a recommendation from the Motor Vehicles Affordability and Fairness Task Force.