The State of New Jersey
NJ Department of Banking and Insurance
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Unsatisfied Claim and Judgment Fund

The primary focus of the New Jersey Automobile Insurance Competition and Choice Act was to improve the auto insurance market in New Jersey by attracting more competition, thereby giving consumers the choices they need and deserve. However, the legislation also sought to achieve efficiencies in some claim-based functions.

To that end, the Act transferred non-regulatory functions, the Unsatisfied Claim and Judgment Fund (UCJF), the New Jersey Automobile Full Insurance Underwriting Association (NJAFIUA) and the Market Transition Facility (MTF) to a claims-handling entity. Under the Act, the responsibility of these organizations is to be assumed by the New Jersey Property-Liability Insurance Guaranty Association (PLIGA), a non-profit, statutory entity.

On September 15th, 2003, the Department issued an order effectuating the transfer of functions and files to PLIGA.

All inquiries may be directed to:
The Unsatisfied Claim and Judgment Fund
233 Mount Airy Road
Basking Ridge, NJ 07920
Main Telephone Number: 908-382-7100
Main FAX Number: 908-382-7150
Web site:
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New Jersey Department of Banking and Insurance