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CORZINE) Tj /F8 9.21 Tf 16.20 -9.72 TD (Governor) Tj /F7 15.41 Tf 181.44 25.92 TD (ǿ޴ýapp) Tj /F8 8.29 Tf -2.88 -12.96 TD (OFFICE OF THE ATTORNEY GENERA) Tj /F8 7.98 Tf -12.24 -12.24 TD (DEPARTMENT OF LAw AND PUBLIC SAFETY) Tj /F8 8.01 Tf 49.32 -11.16 TD (DIVISION OF LAW) Tj /F9 7.02 Tf 12.96 -10.08 TD (PO Box 117) Tj /F9 7.42 Tf -27.72 -10.80 TD (TRENTON, NJ 08625-0117) Tj /F9 10.68 Tf 235.44 48.24 TD (AN MILGRAM) Tj /F8 9.35 Tf 0.36 -10.44 TD (Attorney General) Tj /F7 7.88 Tf -3.96 -25.92 TD (ROBERT J. GILSON) Tj /F8 9.19 Tf 21.96 -9.72 TD (Director) Tj /F9 11.65 Tf -265.68 -32.76 TD (February 11, 2009) Tj /F9 13.59 Tf -171.72 -28.44 TD (BY HA DELIVERY) Tj /F9 11.87 Tf 0.72 -26.28 TD (ǿ޴ýapp) Tj 0.00 -12.96 TD (Superior Court Chancery Division) Tj -.36 -12.60 TD (Mercer County Courthouse) Tj /F9 11.81 Tf 1.08 -12.96 TD (210 South Broad Street) Tj /F8 14.76 Tf 0.00 -12.96 TD (P. O. Box 8068) Tj /F9 10.89 Tf 0.00 -12.60 TD (Trenton, N. J. 08650- 0068) Tj /F9 13.02 Tf -.36 -25.56 TD (Attention: Honorable Maria Marinari Sypek) Tj /F9 11.80 Tf 108.72 -11.16 TD (Presiding Judge Chancery Division) Tj /F9 12.03 Tf -35.64 -25.92 TD (Re: Steven Goldman v. Consumer First Insurance Company) Tj /F9 11.68 Tf -72.00 -26.64 TD (Dear Judge Sypek:) Tj /F9 11.57 Tf 73.08 -24.48 TD (Please accept this letter brief in lieu of a more formal) Tj /F9 11.67 Tf -72.36 -26.64 TD (brief in support of the application of the Commissioner of Banking) Tj /F9 12.22 Tf 0.72 -25.56 TD (and Insurance \(the "Commissioner"\) for the entry of an Order to) Tj /F9 12.03 Tf 0.72 -25.56 TD (Show Cause as to why defendant, Consumer First Insurance Company) Tj /F9 11.78 Tf 2.88 -27.00 TD (\( "Consumer First"\), a New Jersey domiciled property and casualty) Tj /F8 17.72 Tf -1.80 -24.48 TD (insurer,) Tj /F8 20.68 Tf 72.00 1.08 TD (should not be placed into rehabilitation and the) Tj /F9 12.41 Tf -72.00 -26.64 TD (Commissioner should not be appointed Rehabilitator pursuant to) Tj /F7 15.79 Tf -.36 -25.56 TD (N. J . S . A. 17: 3 OC- 1 et ~. This request arises from the fact that) Tj /F9 11.41 Tf 1.08 -25.92 TD (Consumer First's business has generated \(and continues to generate\)) Tj /F7 7.84 Tf 71.64 -101.88 TD (STATION PLAA#4, 2"0 FLOOR . 22 So. CLINTON AVENU . TELEPHONE: \(609\) 292-7669 . FAX: \(609\) 777-3503) Tj /F8 9.27 Tf 32.76 -11.52 TD (New Jersey Is An Equal Opportunity Employer. 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Tj /F14 12.97 Tf 71.64 -24.12 TD (The Commissioner is seeking an Order that declares) Tj /F14 11.63 Tf -70.92 -27.36 TD (Consumer First to be in such condition that further transaction of) Tj /F14 11.66 Tf -.36 -25.56 TD (business will be hazardous to its policyholders, creditors, and/or) Tj /F14 11.65 Tf 1.44 -25.56 TD (the public and directing the Commissioner to rehabilitate Consumer) Tj /F14 11.64 Tf 0.36 -25.56 TD (First and also granting such injunctive and other relief as may be) Tj /F14 13.25 Tf 0.00 -25.56 TD (necessary to accomplish said directive. Consumer First has) Tj /F14 11.48 Tf 1.08 -25.92 TD (consented to the entry of this order. See Certification' of Raymond) Tj /F14 11.76 Tf 0.00 -25.56 TD (K. Conover \("Conover Certification"\), ~ 8 and Exhibit C.) Tj /F15 11.96 Tf 87.12 -24.12 TD (STATEMENT OF FACTS AN PROCEDURL HISTORY) Tj /F14 11.81 Tf -14.04 -27.00 TD (Consumer First is a New Jersey domiciled stock property) Tj /F14 11.66 Tf -71.28 -27.00 TD (and casualty insurer authorized to transact business in New Jersey) Tj /F14 13.00 Tf 1.08 -25.56 TD (since January 2, 2002, and is governed by the provisions of) Tj /F15 16.52 Tf -.72 -25.20 TD (N. J . S . A. 17: 17- 1 et seq. Consumer First writes only private) Tj /F14 11.97 Tf 0.72 -25.56 TD (passenger automobile insurance coverage, and only in New Jersey.) Tj /F14 11.66 Tf 1.08 -25.92 TD (Consumer First's book of business is comprised of policies written) Tj /F14 11.64 Tf 0.72 -25.56 TD (through producers. Consumer First had approximately 6,825 in-force) Tj /F14 12.15 Tf -.36 -25.56 TD (policies and approximately 1,220 open claims as of November 30,) Tj /F16 17.93 Tf 1.44 -25.56 TD (2008. Conover Certification, ~ 3.) Tj /F14 12.48 Tf 72.00 -24.12 TD (In 2003, Consumer First wrote a significantly higher) Tj /F14 12.82 Tf -72.00 -27.00 TD (volume of business than it had projected it would write. Its) Tj /F14 11.45 Tf 1.44 -25.92 TD (liquidity ratio was sufficiently high to warrant closer scrutiny of) Tj /F14 12.00 Tf 0.36 -25.92 TD (Consumer First's key financial data. 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" he20A :/ewxA nTѡa t[yE_^DIvѭnӫ%zŢv*!_Q'1:Դ$DH/a>ku~49ދ̞a8 =7I=>2*`- taP]H7 '8U9Cuɲ/OEr*P3A2<_O_ET"<V/EEۚAS0A?_OU/U^y+ʱtL'E4ªz]Gk8ioobAgM:a8q(!z$ת۵wW'_밞xK#>Jl ly9ü5~a_x] mV0AqQw]96`tv7V}Z]l ئ;dW_KrD1Z"=hkidWv:bclλmla b0ž5!\3h~輢 ty/5 acA (C_Da9 SOO_'臠wVUx a0*aAdJ7* n -z~zTjJ[Ha;@:op7xNS} ^(JUh*Ј_~/{QҴPD{Ou~Oka4!8Vuxc#NݪVn ՑGa ^Z}GtH^)!&30{i&P[5ASAhQkOkim3:V0R B؍c=?VV `U}իfnlQF&[ ;2} l bXi Ј؄CDDE5AB#y&UVlj*'eQ>GZD+"6r#l"`Ԯ&|ό !ńjYxd_%:4-C%t_6w'2aB"}v+h {YV2-?tG%aB08npqiaNeaSˊ'O_c'" | DݢA"#:N(Cw.!Pt_?WGXѳn/ G"Jza\ ; d2332dG-´ixAǰl?6=,爜e̍Aıۇ0AAOY%ٮvvL7 DdgCN tRڶ@؃b`Fj{DG ^t1_\lm Fķdoa%M./]pr1x"?{? ,'>0c&L:8L!׻ㄋkx^ ؇)&w@ԄGE|Toٟ~@27IP$DDI|_=[|)H@C C73C̃hD5i""?Il&`ªg~"#?0 &=sU?C# S gAV6)3_ ~6)|"&'aoh 5תPȇ9u Km;z'.82qB !a#4lMBn&=/xA*HDts1f'Je=^p5 j?Aw턕 lN|fl4!a=:94QFohinKI( ?9j$"xk * أCbN]'lf+wZd/ktٝfsa Dpa4 gXD6Gy;5t1+72IpXV ! vi;i7Nw 0U&0B"# ?wWwqMp) BaUY!s;յAؤi""7zUcb&hS v gDU4 6+Mu3 hWOODL WAiw{aSM3DGfs up␏1< 0dWo!0a0B" u ЈZC+D^hyZ(Dc%usZi]%|;Z'yil} yi\N g|#_N60Fi}}Yw6<&bs V?MqB_oeD3 9ٯO8<2\ A)I3P΢`o8a稃-71߳/F_> Dl п𞚍M"@i< # Zov0W-دZo[tEO!/|P}|bA;__9c>3ba7ZeDP@X?ZOظo5ӟ OZt^2qvv_קm•qTћ$a"3IpK_h~K'F5~ P la$ot o~?6fwL; z{\NkwOa_v` _!|ߴuӅu_wk43p1o)0_QSpm'k=U[kV@ @ɸ[0MJq,|rV/￧־pԐbB84 is~?| ؼ'_z=la-q*DL,&v@0ezޛ)}NN Qk $~kޯaviy栎9dÃb|B#IGkDwWOl)B0[TB5ۺw ~ֽڱ61VݦauK[ka6I =¦DDR3cbj8`GH L* "-߭Xi  1I 0B"";KݳK'jr1nPjB;aA6&!QkL' o ^&e)أ­"""6w@F"0d够41GW-ƔSK? endstream endobj 19 0 obj << /Length 2766 >> stream q q 611.28 0.00 0.00 790.56 0.00 0.00 cm 0.00 0.00 0.00 rg /Im20 Do Q Q q BT 3 Tr /F21 11.61 Tf 404.28 727.92 TD (February 11, 2009) Tj /F21 11.20 Tf 78.12 -11.88 TD (Page 3) Tj /F21 12.16 Tf -418.32 -32.40 TD (failed to respond to numerous requests for information from the) Tj /F21 12.21 Tf -.72 -25.92 TD (Department, raising the concern that the continued unsupervised) Tj /F22 16.97 Tf 0.72 -25.92 TD (operation) Tj /F22 15.13 Tf 82.44 1.44 TD (of) Tj /F22 13.57 Tf 32.04 0.36 TD (Consumer) Tj /F22 18.46 Tf 74.52 1.08 TD (First) Tj /F21 13.88 Tf 52.20 1.08 TD (would be) Tj /F22 15.54 Tf 85.32 1.08 TD (hazardous) Tj /F22 16.67 Tf 82.44 1.08 TD (to) Tj /F22 16.21 Tf 31.68 0.36 TD (the) Tj /F21 11.41 Tf -440.64 -32.04 TD (policyholders, creditors and/or public. Conover Certification, ~ 4.) Tj /F21 12.20 Tf 0.00 -25.56 TD (As a result, Consumer First agreed to be placed in confidential) Tj /F21 12.19 Tf 1.08 -25.92 TD (administrative supervision. On April 27, 2004, the Commissioner) Tj /F21 13.23 Tf 1.08 -25.20 TD (issued Order No. A04 - 123, which placed Consumer First in) Tj /F21 12.38 Tf -.36 -25.56 TD (confidential administrative supervision. One provision in that) Tj /F21 12.74 Tf 0.36 -25.56 TD (order required Consumer First to cease writing new business.) Tj /F21 11.82 Tf 0.36 -25.56 TD (Conover Certification, ~ 5 and Exhibit A. On October 1, 2004, the) Tj /F21 11.44 Tf 0.36 -25.56 TD (Commissioner issued Order No. A04-146, which amended Order No. A04-) Tj /F21 12.37 Tf 0.72 -25.56 TD (123 and provided, inter alia, that Consumer First could resume) Tj /F21 12.62 Tf -.36 -25.56 TD (writing new business subject to certain conditions.) Tj /F22 14.11 Tf 412.92 5.76 TD (Conover) Tj /F21 11.69 Tf -412.20 -31.32 TD (Certification, ~ 6 and Exhibit B.) Tj /F21 11.79 Tf 72.00 -24.48 TD (Consumer First has been under consensual administrative) Tj /F21 11.82 Tf -70.92 -26.64 TD (supervision since April 27, 2004. Because its financial condition) Tj /F21 11.47 Tf -.36 -25.56 TD (has continued to deteriorate since that time and it has been unable) Tj /F21 12.60 Tf 0.72 -25.56 TD (to obtain capital to halt the deterioration, the Commissioner) Tj /F21 11.47 Tf 0.36 -25.56 TD (issued Order No. A09-101 \(January 30, 2009\), which ordered Consumer) Tj /F21 12.83 Tf 0.00 -25.56 TD (First to cease writing new business and to cease issuing new) Tj /F21 11.77 Tf 0.36 -25.92 TD (renewal notices. Conover Certification, ~ 9 and Exhibit D.) Tj /F21 11.81 Tf 72.00 -24.48 TD (Consumer First now consents to the issuance of an Order) Tj /F21 11.98 Tf -71.64 -27.00 TD (of Rehabilitation. Conover Certification, ~ 8 and Exhibit C.) 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Tj /F29 14.92 Tf 0.00 -26.28 TD (N. J. S .A. 17: 30C-6 sets forth the grounds upon which the) Tj /F27 12.12 Tf -69.84 -27.00 TD (Commissioner may seek an order of rehabilitation of an insurer.) Tj /F27 11.81 Tf 0.36 -25.56 TD (These grounds include circumstances in which an insurer) Tj /F27 12.64 Tf 72.00 -24.12 TD (is found, after examination, to be in such) Tj /F27 13.86 Tf 2.52 -14.04 TD (\(financial\) condition that its further) Tj /F27 12.05 Tf -2.16 -11.52 TD (transaction of business will be hazardous to) Tj /F27 11.79 Tf 0.36 -12.60 TD (its policyholders, or to its stockholders, or) Tj /F27 13.55 Tf 0.00 -12.96 TD (to its creditors, or to the public) Tj /F27 11.37 Tf 2.88 -13.68 TD (\(N.J.S.A. 17:30C-6f\).) Tj /F27 13.00 Tf -73.08 -25.92 TD (In addition, N.J.A.C. 11:2-27.3 sets forth factors that the) Tj /F27 11.30 Tf 0.36 -25.56 TD (Commissioner "shall consider. . ., either singly or in a combination) Tj /F27 11.45 Tf 0.36 -25.56 TD (of two or more, in determining whether an insurer is in a hazardous) Tj /F27 11.97 Tf 0.72 -25.56 TD (financial condition." N.J.A.C. 11:2-27.3\(a\).) Tj /F27 11.59 Tf 70.92 -24.12 TD (The most telling indicator of Consumer First's hazardous) Tj /F27 11.44 Tf -69.84 -27.00 TD (financial condition is the insurer's failure to maintain sufficient) Tj /F27 12.26 Tf 0.00 -25.56 TD (capital and surplus, as required by N.J.S.A. 17:17-6.) Tj /F28 14.22 Tf 412.20 7.56 TD (Conover) Tj /F27 12.20 Tf -411.48 -33.48 TD (Certification, ~ 7a; Order No. A09-10L.) Tj /F27 12.14 Tf 307.80 6.12 TD (In addition, Consumer) Tj /F27 12.60 Tf -307.44 -31.68 TD (First has failed four Insurance Regulatory information System) Tj /F27 13.16 Tf 2.88 -26.64 TD (\("IRIS"\) tests, established by the National Association of) Tj /F27 13.01 Tf -1.80 -24.48 TD (Insurance Commissioners, another indicator that it is in as) Tj /F27 11.94 Tf 0.00 -25.92 TD (hazardous financial condition.) Tj /F29 14.06 Tf 236.16 4.68 TD (N. J .A. 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The) Tj /F34 12.80 Tf 0.00 -25.56 TD (Department also found that Consumer First had reported a Net) Tj /F34 11.82 Tf 0.36 -25.92 TD (Operating Loss as of September 30, 2008 \(the last filed quarterly) Tj /F34 11.64 Tf 1.08 -25.56 TD (financial statement\) greater than 50% of Policyholders' Surplus in) Tj /F35 15.36 Tf 0.00 -25.92 TD (excess of the minimum capital and surplus requirement. N. J . A. C.) Tj /F34 12.12 Tf 0.72 -25.20 TD (11:2-27.3\(a\)6\); Conover Certification, ~ 7e; Order No. A09-10L.) Tj /F34 11.84 Tf -.72 -25.56 TD (Another finding was that Consumer First is experiencing liquidity) Tj /F36 15.41 Tf 0.72 -25.56 TD (problems.) Tj /F35 16.86 Tf 92.52 1.44 TD (N.J.A.C. 11:2-27.3\(a\)2 and -27.3\(a\)15;) Tj /F36 14.22 Tf 320.04 5.04 TD (Conover) Tj /F34 12.20 Tf -411.48 -32.40 TD (Certification, ~ 7f; Order No. A09-10L.) Tj /F35 14.60 Tf 307.44 5.04 TD (The Commissioner also) Tj /F34 11.64 Tf -306.72 -30.60 TD (found that Consumer First's Risked-Based Capital ratio resulted in) Tj /F34 13.23 Tf 0.00 -25.56 TD (a finding that Consumer First was in a hazardous financial) Tj /F35 16.65 Tf 0.36 -25.20 TD (condition. N.J.A.C.11:2-27.3\(a\)29; Conover Certification, ~ 7g;) Tj /F34 11.53 Tf 0.00 -25.56 TD (Order No. A09-101.) Tj /F34 11.81 Tf 72.36 -24.48 TD (In addition, Consumer First has been unable to maintain) Tj /F36 5.00 Tf -71.28 -27.00 TD (certain ) Tj /F34 12.01 Tf 55.08 1.44 TD ('required standards set forth in Order No. A04-146, ~ 4.) Tj /F34 11.75 Tf -54.72 -27.00 TD (Conover Certification, ~~ 7b and 7c; Order No. A09-101.) Tj /F34 12.03 Tf 72.00 -24.12 TD (Consumer First's financial condition is unquestionably) Tj /F34 13.01 Tf -70.92 -27.00 TD (such that its continued operation would be hazardous to its) Tj /F34 12.02 Tf -.72 -25.56 TD (policyholders and potential claimants, and that Consumer First's) Tj /F34 12.60 Tf 1.08 -25.92 TD (current financial condition requires that the Department take) Tj /F34 12.13 Tf 0.36 -25.56 TD (regulatory action and seek an Order of Rehabilitation. In fact,) Tj /F34 11.77 Tf 0.36 -25.56 TD (Consumer First itself has recognized the need for rehabilitation,) Tj /F34 13.73 Tf 0.36 -25.92 TD (and has consented to the relief sought herein.) Tj /F36 14.22 Tf 412.56 6.48 TD (Conover) Tj /F34 11.67 Tf -411.84 -32.04 TD (certification, ~ 8 and Exhibit C.) 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See N.J.S.A. 17:30C-1) Tj /F41 11.14 Tf 0.36 -25.56 TD (et seq.) Tj /F41 13.24 Tf 72.00 -24.12 TD (For the reasons set forth above, the Commissioner) Tj /F41 11.39 Tf -70.92 -27.00 TD (respectfully requests that the Court enter the Order to Show Cause,) Tj /F41 11.48 Tf 0.72 -25.56 TD (filed herewith.) Tj /F41 11.61 Tf 248.76 -20.88 TD (Respectfully submitted,) Tj /F41 14.22 Tf 0.00 -25.56 TD (ANE MILGRA) Tj /F41 11.82 Tf 0.36 -12.60 TD (ATTORNEY GENERAL OF NEW JERSEY) Tj /F42 12.46 Tf -33.84 -51.48 TD (By:) Tj /F41 69.36 Tf 34.92 -2.88 TD (!i ik) Tj /F41 11.75 Tf 0.72 -9.36 TD (Eleanor Heck) Tj /F41 11.79 Tf 0.00 -12.60 TD (Deputy Attorney General) Tj ET Q endstream endobj 43 0 obj << /Creator (eCopy, Inc) /Producer (eCopy, Inc) /CreationDate (02-11-2009) /ModDate (02-11-2009) >> endobj xref 1 2 0000152226 00000 n 0000152285 00000 n 37 7 0000152390 00000 n 0000152554 00000 n 0000164301 00000 n 0000152943 00000 n 0000152689 00000 n 0000152814 00000 n 0000165644 00000 n trailer << /Size 44 /Prev 151899 /Root 1 0 R /Info 43 0 R /ID [(002acdc614cc707f48628d6cb9fc12a1) (002acdc614cc707f48628d6cb9fc12a1) ] >> startxref 165774 %%EOF