State RegulationsNJ specificDifficulty 1/5
An insured believes her insurer's file contains inaccurate personal information about her health history. Under New Jersey's insurance information privacy rules, what right does she have?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
New Jersey's insurance privacy rules, N.J.A.C. 11:2-22, give individuals the right to learn whether personal information about them has been recorded, to access that recorded information, and to request correction or amendment of what is wrong. The framework, administered by the New Jersey Department of Banking and Insurance, treats accuracy as a shared responsibility: the insurer must maintain records the individual can see and challenge, so that underwriting and claims decisions rest on correct facts rather than stale or mistaken entries.
Why the other options are wrong
- B) The rules provide access and correction rights, not a blanket right to force destruction of the insurer's business records.
- C) The access and correction rights are not suspended until a denial; they attach to the recorded information itself.
- D) Privacy rights run to the individual's own information; other applicants' files are protected from inspection.
Memory hook
Your file, your eyes: access it and fix it under the privacy rules.