HOW CAN I LEARN MORE ABOUT INSURANCE COMPANIES?      You can learn more about insurance companies by contacting the New Jersey Department of Banking and Insurance, www.njdobi.org. The Department requires every insurer to produce a Buyer's Guide which provides general descriptions about how to shop for auto insurance; the types of policies available and the differences between them; the types of insurance coverage that are available; the policy terms including policy limits and deductibles; the availability of any options; and an explanation of any limitations on your right to sue. You can obtain a copy of the Buyer's Guide from the Department and you should read it carefully. http://www.state.nj.us/dobi/acrobat/autoguide02.pdf. You can call the Department of Banking and Insurance at 609-292-5316. The Department maintains Consumer Centers at 153 Halsey Street, Newark and 101 Haddon Avenue, Camden.      In addition, the Department of Banking and Insurance has adopted a Consumer Bill of Rights which discusses the duties of the consumer and the insurer concerning the application process; the consumer's rights to purchase insurance and the insurer's right to deny coverage; and the consumer's right to appeal the cancellation of insurance. The purpose of the Consumer Bill of Rights is to make you an educated insurance consumer. You can obtain a copy from the Department and you should read it carefully. http://www.state.nj.us/dobi/autorights.ppf.