Provides that private passenger automobile insurance rating territories shall not place exposure in territory based on ZIP code under certain circumstances.

This bill (S 2710) changes how New Jersey car insurance companies assign policyholders to geographic rating territories. It prohibits insurers from placing an insurance exposure (policy) in a territory based solely on ZIP code when that ZIP code crosses municipal boundaries. Instead, the bill requires insurers to place the exposure in the territory corresponding to the town where the vehicle is garaged. This directly affects car insurance policyholders and insurers operating in New Jersey, aiming to prevent ZIP codes from artificially splitting neighborhoods for rate-setting purposes.