You followed the rules. You bought the automobile or homeowners insurance that the State of New Jersey or the bank required you to purchase. You paid your premiums every year, in full and on time.

Then you had an automobile accident or a storm blew a tree onto your house. Now, when you need coverage the most, the insurance company delays paying your benefits or denies your claim for no good reason.

How is this fair? What can you do? The answer to the first question is no it is not fair. In New Jersey, the answer to the second question is very little … until now.

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