Oldwick, N.J. — Several state initiatives will go into effect on January 1 that could affect the ways in which insurers and agents do business and, in each case, an insurance watchdog group was most likely waiting with bated breath for the new year to arrive.

Some of the new statutes strive to reduce claims for accidents or medical needs. Others push the current limits of employee benefits. And some are designed to refresh the staid regulatory rating environment.

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