Creates office to advocate for consumers on insurance issues.

This bill creates the Office of the New Jersey Consumer Insurance Advocate within the Division of Insurance. The advocate, appointed by the Governor with Senate approval for a four-year term, will represent consumers before state government branches on all insurance matters covered by New Jersey law. The position requires a bachelor's degree and five years of experience in property/casualty or life/health insurance. This office directly serves New Jersey consumers by providing dedicated advocacy on insurance issues, including before the Legislature and courts. The advocate will focus on consumer interests across all insurance lines regulated in the state.