New Jersey's Department of Banking and Insurance was operating with a skeleton crew today handling only medical insurance emergencies as most of the state's government continued in a shutdown mode.

Gov. Jon Corzine ordered the closing Saturday in a stalemate with the legislature over passage of a budget that would let the state pay its bills.

A harried staff member at the department said that the agency was only dealing with questions concerning denial of insurance coverage for emergency medical procedures and doing no other business.

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