New Jersey Guide to Auto Insurance Codes

Being involved in a car accident is stressful enough, but trying to decode an accident report can make it even more overwhelming. If law enforcement was present at the scene of your crash, you should receive a copy of the official accident report, which contains crucial details about the incident. One of the most important elements on this report is the auto insurance code—a numerical identifier linked to the insurer of the at-fault party.

Understanding these codes can help you determine which insurance company to contact when filing a claim. These codes help avoid confusion when multiple insurers operate under similar names or when policies are underwritten by different entities. By accurately reading and interpreting the insurance code, you can quickly identify the correct insurer, saving you time and frustration during the claims process.

Auto insurance codes also play a role in accident investigations. Insurers, attorneys, and even law enforcement rely on these codes to verify coverage, assess liability, and ensure compliance with New Jersey’s insurance laws. If the wrong insurer is contacted or if there is confusion regarding coverage, it can delay the claims process and potentially impact the compensation you receive.

Auto Insurance Codes for Every Authorized Insurer in New Jersey

Every insurance company authorized to operate in New Jersey is assigned a unique three-digit insurance code. These codes appear on police accident reports and other official documents related to insurance claims.

Here are a few examples:

INSURANCE CODE	NAME OF INSURANCE COMPANY
001	SAMSUNG FIRE AND MARINE INSURANCE COMPANY, LTD.
002	BROTHERHOOD MUTUAL INSURANCE COMPANY
003	MID-CENTURY INS COMPANY
004	ACE PROPERTY & CASUALTY INS CO
005	FIRST NONPROFIT INSURANCE COMPANY
006	EVEREST PREMIER INSURANCE COMPANY
007	EVEREST DENALI INSURANCE COMPANY
008	SELECTIVE AUTO INSURANCE CO OF NJ
009	SENTRY CASUALTY COMPANY
010	TRAVELERS INDEMNITY CO OF AMERICA
011	OHIO SECURITY INSURANCE COMPANY
012	ALLSTATE NEW JERSEY INS CO
013	PROTECTIVE INSURANCE CO
014	AMERICAN AUTOMOBILE INS CO
015	AMERICAN CASUALTY CO OF READING PA
016	XL SPECIALTY INSURANCE CO
017	PALISADES INSURANCE CO
018	ASCALON RISK RETENTION GROUP, INC
019	AMICA PROPERTY & CASUALTY INS CO
020	SWISS RE CORPORATE SOLUTIONS ELITE INSURANCE CORPORATION
021	FIRST GUARD INSURANCE COMPANY
022	KEY RISK INSURANCE COMPANY
023	GREAT AMERICAN ASSURANCE CO
024	AMERICAN CONTRACTORS INS CO RRG
025	AMERICAN GUARANTEE & LIABILITY INC CO
026	MOTORISTS COMMERCIAL MUTUAL INSURANCE COMPANY
027	KNIGHTBROOK INSURANCE COMPANY
028	GLOBAL LIBERTY INSURANCE COMPANY OF NEW YORK
029	HDI GLOBAL INSURANCE COMPANY
030	ALLIED WORLD SPECIALTY INSURANCE COMPANY
031	STARR INDEMNITY AND LIABILITY COMPANY
033	GREAT AMERICAN INS CO OF NY
034	IRONSHORE INDEMNITY INC
035	AMERICAN SECURITY INS CO
036	TRAVELERS EXCESS & SURPLUS LINES CO
037	ALLIED WORLD NATIONAL ASSURANCE COMPANY
038	NATIONAL CONTINENTAL INS CO
039	AMERICAN COMPENSATION INSURANCE COMPANY
040	FLORISTS' MUTUAL INSURANCE COMPANY
041	AMERISURE INSURANCE CO
042	NEW JERSEY INDEMNITY INS CO
043	WCF SELECT INSURANCE COMPANY
044	MIDVALE INDEMNITY COMPANY
045	ATLANTIC MUTUAL INS CO
046	NJ SKYLANDS INS. ASSOCIATION
047	WATFORD INSURANCE COMPANY
048	SCOTTSDALE INSURANCE COMPANY
049	US SPECIALTY INS CO
050	BERKLEY REGIONAL INSURANCE COMPANY
051	BERKLEY NATIONAL INSURANCE COMPANY
052	BALBOA INSURANCE CO
053	PRAETORIAN INSURANCE CO
054	ALLSTATE NEW JERSEY PROPERTY & CASUALTY INS CO
055	ACE INDEMNITY INSURANCE CO
056	INDIANA INSURANCE COMPANY
057	BANKERS STANDARD INS CO
058	AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY
059	AIG PROPERTY CASUALTY COMPANY
060	BITUMINOUS CASUALTY CORP
061	AMERICAN MODERN HOME INS CO
062	ALLIANCE ASSURANCE CO OF AMERICA
063	PREFERRED PROFESSIONAL INSURANCE CO
064	RESPONSE INSURANCE COMPANY
065	IMPERIUM INSURANCE COMPANY
066	REPUBLIC-VANGUARD INSURANCE COMPANY
067	AMERICAN FAMILY HOME INSURANCE COMPANY
068	VANTAPRO SPECIALTY INSURANCE COMPANY
069	YOSEMITE INSURANCE CO
070	CRUM & FORSTER INDEMNITY CO
071	ESURANCE INS. CO OF NJ
072	BANCINSURE INC.
073	INTEGON NATIONAL INSURANCE COMPANY
074	STATE NATIONAL INS CO INC.
075	INDIANA LUMBERMANS MUTUAL INSURANCE COMPANY
076	CENTENNIAL INSURANCE CO
077	AMERICAN MININGINSURANCE COMPANY
078	AMERICAN SOUTHERN HOME INSURANCE COMPANY
079	MARKEL AMERICAN INSURANCE COMPANY
080	CHARTER OAK FIRE INS CO
081	AMERICAN ROAD INSURANCE COMPANY
082	CAROLINA CASUALTY INS CO
083	TRUMBULL INSURANCE CO
084	HARTFORD CASUALTY INS CO
085	VELOCITY INSURANCE COMPANY
086	ARCH INDEMNITY INSURANCE COMPANY
087	COMMERCE & INDUSTRY INS CO
088	UNITED FARM FAMILY INSURANCE COMPANY
089	ONYX INSURANCE COMPANY INC
090	LIBERTY MUTUAL MID-ATLANTIC INSURANCE CO
091	HIGH TECH SERVICES RRG INC
092	UNITED STATES LIABILITY INSURANCE COMPANY
093	NORTHFIELD INSURANCE CO
094	HOUSING AUTHORITY RRG INC
095	NATIONAL INDEPENDENT TRUCKERS INS CO RRG
096	PERSONAL SERVICE INS CO
097	CONTINENTAL CASUALTY CO
098	CONTINENTAL INSURANCE CO
100	GEICO INDEMNITY CO
101	GEICO CASUALTY CO
102	OLD REPUBLIC GENERAL INS CORP.
103	PHARMACISTS MUTUAL INSURANCE COMPANY
104	SAFETY NATIONAL CASUALTY CORP
105	SENECA INSURANCE CO
106	NATIONAL GENERAL INSURANCE COMPANY
107	ROCHDALE INS CO
108	ASPEN AMERICAN INSURANCE COMPANY
109	CANAL INSURANCE COMPANY
110	EMPLOYERS MUTUAL CASUALTY CO
111	EMPIRE FIRE & MARINE INS CO
112	EMPLOYERS INS CO OF WAUSAU
113	PLAZA INSURANCE COMPANY
114	SENTINEL INSURANCE LTD
115	EVOLUM RISK RETENTION GROUP, INC.
116	EXCELSIOR INSURANCE CO
117	PRIME PROPERTY & CASUALTY INSURANCE INC
118	JAMESTOWN INS CO A RISK RETENTION GROUP
119	MARKEL INSURANCE CO
120	AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS
121	OOIDA RISK RETENTION GROUP INC.
122	STEADFAST INSURANCE CO
123	EVEREST NATIONAL INSURANCE CO
124	FEDERAL INSURANCE CO
125	NGM INSURANCE COMPANY
126	FEDERATED MUTUAL INSURANCE CO
127	ACCEPTANCE INDEMNITY INS. CO
128	ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
129	FIDELITY & GUARANTY INS UNDERWRITERS INC
130	ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
131	FIREMAN'S FUND INS CO
132	FALLS LAKE NATIONAL INSURANCE COMPANY
133	BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANY
134	PROGRESSIVE GARDEN STATE INS
135	DRIVE NEW JERSEY INS CO
136	PACIFIC SPECIALTY INSURANCE COMPANY
137	NATIONAL INTERSTATE INSURANCE COMPANY
138	RAMPART INSURANCE CO
139	ENCOMPASS PROPERTY & CASUALTY CO. OF NJ
140	GENERAL INS CO OF AMERICA
141	AMICA MUTUAL INSURANCE COMPANY
142	TRANSPORTATION LIABILITY INS CO
143	AMERICAN SUMMIT INSURANCE COMPANY
144	QBE INSURANCE CORP
145	ARCH INSURANCE CO
146	THE AUTOMOBILE INSURANCE COMPANY OF HARTFORD CONNECTICUT
147	ESSENTIA INSURANCE COMPANY
148	GOVERNMENT EMPLOYEES INS CO
149	ACCELERANT NATIONAL INSURANCE COMPANY
150	NATIONWIDE AGRIBUSINESS INSURANCE COMPANY
151	GRANITE STATE INSURANCE CO
152	GRAPHIC ARTS MUTUAL INS CO
153	HARLEYSVILLE INS. CO.
154	GREAT AMERICAN INS CO
155	GREAT NORTHERN INS CO
156	GREATER NEW YORK MUTUAL INS CO
157	HARCO NATIONAL INS CO
158	HANOVER INSURANCE CO
159	PRO CENTURY INS. CO
160	SENTRY INSURANCE COMPANY
161	HARTFORD ACCIDENT & INDEMNITY CO
162	HARTFORD FIRE INS CO
163	FARMERS CASUALTY INSURANCE COMPANY
164	FOREMOST PROPERTY & CASUALTY INSURANCE COMPANY
165	AXIS INSURANCE COMPANY
166	WESCO INSURANCE COMPANY C/O AMTRUST UNDERWRITERS INC.
167	NATIONAL LIABILITY AND FIRE INSURANCE CO
168	HARLEYSVILLE WORCESTER INSURANCE CO
169	NATIONAL SPECIALTY INS CO
170	FARMERS INSURANCE EXCHANGE
171	EVERGREEN NAT’L INDEMNITY CO
172	COMPASS SPECIALTY INSURNACE RISK RETENTION GROUP, INC
173	CEDAR INSURANCE COMPANY
174	UNITED WISCONSIN INSURANCE COMPANY
175	INSURANCE CO OF THE STATE OF PA
176	ACADIA INSURANCE COMPANY
177	FIREMEN'S INS. CO. OF WASHINGTON DC
178	CALIFORNIA CASUALTY AND FIRE INSURANCE COMPANY
179	JEFFERSON INS CO
180	ARCOA RISK RETENTION GROUP
181	FEDERATED RURAL ELECTRIC INSURANCE EXCHANGE
182	LIBERTY MUTUAL FIRE INS CO
183	LIBERTY MUTUAL INS CO
184	PRIVILEGE UNDERWRITERS RECIPROCAL EXCHANGE
185	NATIONAL INTERSTATE INS CO OF HAWAII INC
186	GM NATIONAL INSURANCE COMPANY
187	AMGUARD INSURANCE COMPANY
188	NATIONWIDE AFFINITY INS CO OF AMERICA
189	TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA
190	LUMBERMEN'S MUTUAL CASUALTY CO
191	ZURICH AMERICAN INSURANCE CO OF ILLINIOS
192	LM INSURANCE CORP
193	FIRST LIBERTY INS CORP
194	LUMBER MUTUAL INSURANCE CO
195	FIRSTLINE INSURANCE COMPANY
196	TRUCK INSURANCE EXCHANGE
197	AMTRUST INSURANCE COMPANY OF KANSAS, INC
198	THE GRAY INSURANCE COMPANY
199	MASSACHUSETTS BAY INS CO
200	USAA GENERAL INDEMNITY COMPANY
201	GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY
202	BERKLEY INSURANCE COMPANY
203	ALLIED WORLD INSURANCE COMPANY
204	MERCHANTS' MUTUAL INS CO
205	SELECTIVE CASUALTY INSURANCE COMPANY
206	SELECTIVE FIRE & CASUALTY INSURANCE COMPANY
207	SELECTIVE INSURANCE COMPANY OF NEW ENGLAND
208	STARSTONE NATIONAL INSURANCE COMPANY
209	TOKIO MARINE AMERICA INSURANCE COMPANY
210	SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY
211	SMALL FLEET ADVANTAGE RISK RETENTION GROUP INC
212	NY MARINE AND GENERAL INSURANCE COMPANY
213	PENNSYLVANIA NATIONAL SECURITY INSURANCE COMPANY
214	AMERISURE MUTUAL INS CO
215	MERCHANTS PREFERRED INSURANCE COMPANY
216	FIRST FINANCIAL INSURANCE COMPANY
217	CSAA GENERAL INS CO
218	HISCOX INSURANCE COMPANY
219	UNION INSURANCE COMPANY
220	CONTINENTAL WESTERN INSURANCE
221	CONIFER INSURANCE COMPANY
222	TECHNOLOGY INSURANCE COMPANY, INC
223	NOVA CASUALTY CO
224	NATIONAL FIRE INS CO OF HARTFORD
225	TOPA INSURANCE COMPANY
226	BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY
227	NATIONAL SURETY CORP
228	NATIONAL UNION FIRE INS CO OF PITTSBURGH
229	THE AMERICAN INSURANCE COMPANY
230	A-ONE COMMERCIAL INSURANCE RISK RETENTION GROUP, INC.
231	CAPITOL INDEMNITY CORPORATION
232	NETHERLANDS INSURANCE CO
233	MIC GENERAL INSURANCE CORPORTATION
234	UNITED SPECIALTY INSURANCE CO.
235	NEW HAMPSHIRE INSURANCE CO
236	NAVIGATORS INSURANCE CO
237	GREAT MIDWEST INSURANCE COMPANY
238	GENERALI UNITED STATES BRANCH
239	CINCINNATI CASUALTY COMPANY
240	CINCINNATI INDEMNITY COMPANY
241	HARFORD MUTUAL INS CO
242	HARTFORD UNDERWRITERS INS CO
243	STONINGTON INS CO
244	STRATHMORE INSURANCE CO
245	COMMERCIAL HIRECAR INSURANCE COMPANY, RRG
246	1842 INSURANCE COMPANY
247	CLEAR BLUE INSURANCE CO
248	NORTHBROOK INDEMNITY CO
249	MIDDLESEX INSURANCE COMPANY
250	NORTH RIVER INSURANCE CO
251	CRESTBROOK INSURANCE COMPANY
252	INTREPID INSURANCE COMPANY
253	DISCOVER PROPERTY & CASUALTY INS CO
254	NATIONAL AMERICAN INSURANCE COMPANY
255	COUNTY HALL INSURANCE COMPANY RRG
256	ACCIDENT FUND INSURANCE COMPANY OF AMERICA
257	NORTHWESTERN NATIONAL INS CO
258	METROMILE INSURANCE COMPANY
259	SAGAMORE INSURANCE COMPANY
260	RIVERPORT INSURANCE COMPANY
261	AMERICAN BUILDERS INSURANCE COMPANY RRG
262	CUSA RISK RETENTION GROUP, INC
263	OLD REPUBLIC INS CO
264	UNIVERSAL CASUALTY RISK RETENTION GROUP INC
265	MOMENTUM RISK RETENTION GROUP INC
266	TRAILBLAZERS INSURANCE COMPANY, INC., A RISK RETENTION GROUP
267	SURYA INSURANCE COMPANY, INC.,RISK RETENTION GROUP
268	PACIFIC INDEMNITY CO
269	AMERICAN MODERN PROPERTY AND CASUALTY INSURANCE COMPANY
270	AMERICAN TRANSPORTATION GROUP INSURANCE RISK RETENTION GROUP, INC.
271	BLACKBOARD INSURANCE COMPANY
272	ROMULUS INSURANCE RRG
273	MILFORD CASUALTY INSURANCE COMPANY
274	CONTRACTORS BONDING AND INSURANCE COMPANY
275	TRI-STATE INSURANCE COMPANY OF MINNESOTA
276	PENNSYLVANIA LUMBERMENS MUTUAL INS CO
277	CIRCLE STAR INSURANCE COMPANY RRG
278	PENN MILLERS INSURANCE CO.
279	PENNSYLVANIA NATIONAL MUTUAL CASUALTY INS CO CASUALTY INS CO
280	PHILADELPHIA INDEMNITY INS CO
281	EMC PROPERTY & CASUALTY COMPANY
282	PHOENIX INSURANCE CO
283	EMCASCO INSURANCE COMPANY
284	ATLANTIC SPECIALTY INS CO
285	UNION INSURANCE COMPANY OF PROVIDENCE
286	UNITED FIRE & CASUALTY COMPANY
287	PREFERRED MUTUAL INS CO
288	GUIDEONE MUTUAL INS CO
289	VAULT RECIPROCAL EXCHANGE
290	MOTOR TRANSPORT MUTUAL RRG
291	HOXBRIDGE INSURANCE COMPANY, INC
292	WESTPORT INSURANCE CO
293	AMERICAN INTER-FIDELITY EXCHANGE
294	PARK WOOD RISK RETENTION GROUP, INC
295	CLEAR SPRING PROPERTY AND CASUALTY COMPANY
296	TRISURA SPECIALTY INSURANCE COMPANY
297	CSAA AFFINITY INSURNACE COMPANY
298	BENCHMARK INSURANCE COMPANY
299	SKYRAIDER RISK RETENTION GROUP, INC
301	THIRD COAST INSURANCE COMPANY
302	VOYAGER INDEMNITY INSURANCE COMPANY
303	SECURITY CASUALTY RISK RETENTION GROUP
304	HIGHLANDER SPECIALTY INSURANCE COMPANY
305	NATIONWIDE GENERAL INSURANCE COMPANY
306	EVERSPAN INDEMNITY INSURANCE COMPANY
307	ST PAUL FIRE & MARINE INS CO
308	ST PAUL MERCURY INS CO
309	TEXAS INSURANCE COMPANY
310	FIRST CHICAGO INSURANCE COMPANY
311	STAR MUTUAL RISK GROUP
312	GREAT DIVIDE INSURANCE CO
313	LONG IRON INSURANCE RISK RETENTION GROUP, INC
314	MERCURY INSURANCE COMPANY OF ILLINOIS
315	ENCOMPASS INSURANCE CO OF NJ
316	TECHNOLOGY TRANSPORTATION MUTUAL RISK RETENTION GROUP, INC
317	INCLINE CASUALTY INSURANCE
318	21ST CENTURY PREMIER INSURANCE COMPANY
319	LAP COMMERCIAL INSURANCE COMPANY INC. A RISK RETENTION GROUP
320	OBSIDIAN SPECIALTY INSURANCE COMPANY
321	ACCREDITED SPECIALTY INSURANCE COMPANY
322	HUDSON INSURANCE CO
323	NORTH POINTE INSURANCE COMPANY
324	WOODLANDS RISK RETENTION GROUP
325	ASCOT INSURANCE COMPANY
326	NATIONWIDE ASSURANCE COMPANY
327	PROFESSIONAL TRANSPORTATION RISK RETENTION GROUP
328	NEW JERSEY CASUALTY INSURANCE COMPANY
329	SPINNAKER INSURANCE COMPANY
330	LYNDON SOUTHERN INSURANCE COMPANY
331	TRANSVERSE INSURANCE COMPANY
332	MITSUI SUMITOMO INS CO OF AMERICA
333	SIRIUSPOINT SPECIALTY INSURANCE CORPORATION
334	KNIGHT SPECIALTY INSURANCE COMPANY
335	RLI INSURANCE CO.
336	GRANADA INSURANCE COMPANY
337	INSURE LINE TRANSPORTATION INSURANCE CO. RRG LLC
338	TOKIO MARINE & NICHIDO FIRE INS CO LTD (US BRANCH)
339	AMERICAN RISK MANAGEMENT RISK RETENTION GROUP
340	PACIFIC INSURANCE COMPANY, LTD
341	TRAVELERS PROPERTY CASUALTY CO OF AMERICA
342	TRANSCONTINENTAL INS CO
343	TRANSPORTATION INS CO
344	TRAVELERS' INDEMNITY CO
345	OBSIDIAN INSURANCE COMPANY
346	MOBILITAS GENERAL INS CO
347	TWIN CITY FIRE INS CO
348	TWIN LIGHT INSURANCE CO
349	TRISURA INSURANCE COMPANY
350	NUTMEG INSURANCE COMPANY
351	FEDERATED RESERVE INSURANCE COMPANY
352	CHIRON INSURANCE COMPANY
353	BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY
354	GLADIUS INSURANCE RISK RETENTION GROUP INC
355	UNITED SERVICES AUTOMOBILE ASSOC
356	ARCH PROPERTY CASUALTY INSURANCE COMPANY
357	UNITED STATES FIDELITY & GUARANTY CO
358	UNITED STATES FIRE INS CO
359	SOUTHERN INSURANCE COMPANY
360	FOUNDERS INSURANCE CO
361	TRANSVERSE SPECIALTY INSURANCE COMPANY
362	BIHAR RISK RETENTION GROUP, INC.
363	SOUTHLAKE SPECIALTY INSURANCE COMPANY
364	UTICA MUTUAL INSURANCE CO
365	GEICO SECURE INSURANCE COMPANY
366	VALLEY FORGE INSURANCE CO
367	XL INSURANCE AMERICA INC
368	VIGILANT INSURANCE CO
369	GEICO CHOICE INSURANCE COMPANY
370	WAUSAU UNDERWRITERS INS CO
371	ACCREDITED SURETY AND CASUALTY COMPANY, INC.
372	WESTCHESTER FIRE INSURANCE CO
373	CONTINENTAL INDEMNITY COMPANY
374	WAUSAU BUSINESS INS CO
375	WILSHIRE INSURANCE CO
376	REGENT INSURANCE COMPANY
377	SENTINEL INSURANCE CO
378	SOMPO AMERICA INSURANCE COMPANY
379	ZURICH AMERICAN INS CO
380	MOBILITAS GENERAL INSURANCE COMPANY
381	GENERAL CASUALTY COMPANY OF WISCONSIN
382	CLEAR BLUE SPECIALTY INSURANCE COMPANY
383	CONCERT SPECIALTY INSURANCE COMAPNY
384	UTICA NATIONAL INSURANCE COMPANY OF TEXAS
385	UTICA NATIONAL ASSURANCE COMPANY
386	LANNISPORT MARINE & GENERAL INSURANCE COMPANY
387	TESLA GENERAL INSURANCE COMPANY
388	GOTHAM INSURANCE COMPANY
389	GREYSTONE INSURANCE COMPANY
390	MOTORS INSURANCE CORPORATION
391	AMERICAN EUROPEAN INS CO
392	FOREMOST INSURANCE CO OF GRAND RAPIDS, MI
393	BUS RISK RETENTION GROUP, INC.
394	NATIONWIDE INSURANCE COMPANY OF AMERICA
395	NATIONWIDE MUTUAL INSURANCE COMPANY
396	NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY
397	ALLIED INSURANCE COMPANY OF AMERICA
398	ROCK RIDGE INSURANCE COMPANY
399	POLARIS INSURANCE COMPANY RISK RETENTION GROUP, INC.
400	ACE FIRE UNDERWRITERS INS CO
401	MOTOR CLUB INSURANCE COMPANY
402	EVERSPAN INSURANCE COMPANY
404	ALLIANCE OF NON PROFITS FOR INSURANCE RRG
411	HIGH POINT PROPERTY & CASUALTY INS CO
413	HIGH POINT SAFETY & INS CO
422	PENNSYLVANIA MANUFACTURERS ASSOC
423	PACIFIC EMPLOYERS INS CO
426	NEW JERSEY MANUFACTURERS INS CO
435	LUMBERMEN’S UNDERWRITING ALLIANCE
436	COUNTRYWAY INSURANCE CO
440	AMERICAN FAMILY HOME INS. CO.
444	FAIRMONT SPECIALTY INS CO
448	CUMIS INSURANCE SOCIETY INC
451	GENERAL SECURITY NATIONAL INS CO
453	INSURANCE CO OF GREATER NY
457	TRANSGUARD INS CO OF AMERICA INC
463	ELECTRIC INSURANCE CO
465	OHIO CASUALTY INS CO
466	WEST AMERICAN INS CO
468	DIAMOND STATE INSURANCE CO
476	CENTURY INDEMNITY CO
480	SENTRY SELECT INSURANCE CO
482	21ST CENTURY CENTENNIAL INSURANCE COMPANY
485	ARGONAUT INSURANCE CO
487	ACE AMERICAN INSURANCE CO CONSUMER SOLUTIONS GROUP
489	FIDELITY & DEPOSIT CO OF MARYLAND
612	TRAVELERS' INDEMNITY CO OF CONNECTICUT
615	TNUS INSURANCE CO CO
619	REPUBLIC WESTERN INS CO
624	FIDELITY & GUARANTY INS CO
628	ILLINOIS NATIONAL INS CO
631	LANCER INS CO
632	TEACHERS AUTO INS CO OF NJ
633	CINCINNATI INSURANCE CO
637	NORTHLAND INSURANCE CO
638	VIRGINIA SURETY CO. INC
639	GEICO GENERAL INS CO
642	VANLINER INSURANCE CO
648	CITIZENS INS CO OF AMERICA
650	GREENWICH INSURANCE CO
651	ATHENA ASSURANCE CO
653	CHURCH MUTUAL INSURANCE COMPANY, S.I.
655	HARTFORD INSURANCE CO OF MIDWEST
656	ARGONAUT MIDWEST INS CO
661	MIC PROPERTY & CASUALTY INS CO
664	PEERLESS INDEMNITY INS CO
673	REPUBLIC FRANKILN INS. CO
674	UNITED FINANCIAL CASUALTY CO
771	WESTFIELD INSURANCE CO
810	MERCURY INDEMNITY CO OF AMERICA
811	UNIVERSAL UNDERWRITERS INS CO
813	BITUMINOUS FIRE & MARINE INS CO
816	SELECTIVE INS CO OF AMERICA
818	OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA
823	USAA CASUALTY INSURANCE CO
825	FITCHBURG MUTUAL INS CO
833	GREAT WEST CASUALTY CO
839	FARMERS' MUTUAL FIRE INS CO OF SALEM COUNTY
845	MERCER INSURNACE CO
846	MERCER INSURANCE CO OF NJ
854	FARMERS INSURANCE CO OF FLEMINGTON
859	ARGONAUT-SOUTHWEST INS CO
864	SELECTIVE WAY INS CO
875	GREAT AMERICAN ALLIANCE
877	NATIONWIDE MUTUAL FIRE INS CO
878	RIDER INSURANCE CO
882	PROGRESSIVE CASUALTY INS CO
884	ST PAUL PROTECTIVE INSURANCE COMPANY
886	MITSUI SUMITOMO INS USA INC
888	NEW JERSEY RE-INSURANCE CO
889	LIBERTY INS UNDERWRITERS INC
890	ATLANTIC EMPLOYERS INS CO
891	INDEMNITY INS CO OF NORTH AMERICA
892	FAIRMONT PREMIER INSURANCE CO
895	AMERICAN FIRE & CASUALTY CO
896	STATE FARM GUARANTY INS
898	RUTGERS CASUALTY INS CO
900	AMERICAN STATES INS CO
901	CHUBB INSURANCE CO OF NJ
902	TRANS PACIFIC INS CO
907	STARNET INS CO
909	SAFECO INS. CO OF AMERICA
910	CONTINENTAL INS CO OF NJ
911	CRUM & FORSTER INS CO
912	NATIONAL CASUALTY CO
913	AEGIS SECURITY INS CO
914	LIBERTY INSURANCE CORP
917	HARLEYSVILLE INS CO OF NJ
919	FIREMAN'S FUND INDEMNITY CORP
922	CUMBERLAND INS CO
925	HARLEYSVILLE PREFERRED INS CO
926	SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORPORATION
930	COREPOINTE INSURANCE COMPANY
934	AMERICAN ZURICH INS CO
936	AMERICAN MILLENNIUM INS CO
937	EULER HERMES AMERICAN CREDIT INDEMNITY CO
942	XL REINSURANCE AMERICA INC
945	FARMERS PROPERTY AND CASUALTY INSURANCE COM
946	CITIZENS UNITED RECIPROCAL EXCHANGE (CURE)
954	FIRST TRENTON INDEMNITY CO
957	MANUFACTURERS ALLIANCE INS CO
959	PENNSYLVANIA MANUFACTURERS INDEMNITY CO
960	AMERICAN BANKERS INS CO
962	STATE FARM INDEMNITY CO
963	PALISADES SAFETY & INS ASSO
966	KODIAK INSURANCE CO
968	STAR INSURANCE CO
974	HOMESTEAD INSURANCE CO
975	INDIAN HARBOR INSURANCE CO
976	GENERAL AGENTS INSURANCE CO OF AMERICA INC.
977	TRAVELERS CASUALTY COMPANY OF CONNECTICUT
978	T.H.E. INSURANCE COMPANY
979	NATIONAL INDEMNITY COMPANY
980	ESSEX INSURANCE CO
984	ST PAUL MEDICAL LIABILITY
985	AMERICAN ALTERNATIVE INS CORP AMERICAN RE PLAZA
986	FARMINGTON CASUALTY COMPANY
987	AIOI INS CO OF AMERICA
988	FARM FAMILY CASUALTY INS CO
989	UNITRIN PREFERRED INS CO
990	LANCER INSURANCE COMPANY OF NEW JERSEY
991	ARI INSURANCE COMPANY
992	FARMERS DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY
993	FARMERS GROUP PROPERTY AND CASUALTY INSURANCE COMPANY
994	ST. PAUL GUARDIAN INSURANCE COMPANY
995	STANDARD FIRE INSURANCE COMPANY
996	NJ PERSONAL AUTO INS PLAN (PAIP)
997	NJ SPECIAL AUTO INS PLANS (SAIP)
998	NJ VOLUNTARY BASIC AUTO PROGRAM (VAPP)
999	NJ COMMERCIAL AUTOMOBILE INS PLAN (CAIP)

While these codes are primarily used by insurers and legal professionals, accident victims should also be familiar with them to ensure they’re contacting the correct insurance provider. Misidentifying an insurer can cause unnecessary delays and complications.

How to Use Insurance Codes in Claims and Accidents

If you have been in an accident, here’s how you can use auto insurance codes to streamline your claims process:

1. Locate the Code on the Accident Report – The insurance code will usually be found in the section listing vehicle and driver details.
   
2. Match the Code with the Insurance Company – Use the official NJ insurance code list or an online lookup tool.
   
3. Contact the Insurer – Once identified, reach out to the insurance company to begin the claims process.
   
4. Verify Coverage Details – Ensure the policyholder was covered at the time of the accident and determine available policy limits.
   
5. Consult an Attorney if Needed – If you encounter disputes, delays, or bad faith practices from the insurer, a personal injury attorney can help.

New Jersey follows a no-fault insurance system, meaning that your own Personal Injury Protection (PIP) coverage will initially cover medical expenses regardless of who was at fault. However, you may still need to deal with the other driver’s insurer for vehicle damage or liability claims.

In some cases, insurance companies may attempt to dispute liability, arguing that their policyholder was not at fault. This is where having clear documentation, including the accident report and insurance code, can be beneficial. It is also essential to understand that while PIP covers medical expenses, it does not cover pain and suffering unless you meet the threshold for filing a lawsuit under New Jersey law.

Another key aspect to consider is subrogation, which occurs when your insurance company seeks reimbursement from the at-fault driver’s insurer. Knowing the correct insurance code can expedite this process and prevent unnecessary legal battles over responsibility.

What to Do If You Can’t Identify an Insurance Code

If you receive an accident report with a missing, incorrect, or unidentifiable insurance code, here are some steps to take:

• Check for Errors – Mistakes on accident reports are not uncommon. Request a correction if needed.
  
• Contact the NJ Department of Banking and Insurance (DOBI) – They may be able to assist in identifying an insurer using other details from the accident report.
  
• Run a License Plate Search – New Jersey’s Motor Vehicle Commission (MVC) can sometimes assist with identifying an insurer based on the vehicle’s registration.
  
• Consult with an Attorney – If the other driver was uninsured or fled the scene, you may need to pursue an uninsured motorist (UM) claim under your own policy.

Additionally, New Jersey law (N.J.S.A. 39:6A-3) requires all drivers to carry at least $15,000 per person in PIP coverage and liability insurance. If the other driver lacks coverage, legal options such as filing a claim with the NJ Property-Liability Insurance Guaranty Association (PLIGA) may be available.

Uninsured motorists present a unique challenge in New Jersey. Although the state mandates auto insurance, some drivers still operate vehicles without coverage. In such cases, having uninsured/underinsured motorist (UM/UIM) coverage on your policy can be invaluable. This coverage allows you to recover damages from your own insurer if the at-fault driver is uninsured or underinsured.

Another potential issue arises with hit-and-run accidents. If the at-fault driver flees the scene and their insurance information is unknown, law enforcement may conduct an investigation to track down the responsible party. However, if the driver remains unidentified, you may need to file a claim under your own UM coverage. Reporting the accident to the police immediately and gathering any available witness statements or surveillance footage can improve your chances of identifying the other driver.

Why Legal Help is Crucial After a Car Accident

Dealing with auto insurance codes, claims adjusters, and insurance companies can be complicated—especially when you’re recovering from injuries. Insurance companies may attempt to minimize your payout, delay the claims process, or deny liability altogether.

Insurance companies are profit-driven businesses, which means they often prioritize their bottom line over your best interests. Adjusters may offer quick, lowball settlements that do not fully account for your medical expenses, lost wages, and pain and suffering. This is why it’s critical to have legal representation when handling an insurance claim.

At Rosengard Law Group, we help New Jersey accident victims navigate insurance claims and fight for the compensation they deserve. Our experienced attorneys will carefully review your accident report, identify the correct insurance company, and handle all communications with insurers on your behalf. We have successfully helped clients recover compensation for medical bills, rehabilitation costs, lost income, and emotional distress.

If you’ve been injured in a crash and need help deciphering your accident report, understanding insurance codes, or dealing with an uncooperative insurer, contact us for a free consultation today.