Prohibits automobile insurers from using underwriting rules to raise automobile insurance rates on persons deemed not at fault in motor vehicle accidents involving municipal vehicles.

This bill prohibits New Jersey automobile insurers from raising insurance rates for private drivers who were not at fault in accidents involving municipal vehicles (like city buses or police cars). It specifically bans insurers from using such accident details as a reason to assign higher rates, ensuring these drivers aren't penalized for incidents where the municipality was liable. The law requires insurers to follow uniform underwriting rules and prevents them from unfairly increasing premiums based solely on these types of accidents. This directly affects private vehicle owners who experience non-fault collisions with municipal vehicles.