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

This bill prohibits New Jersey automobile insurers from raising insurance rates for drivers who are not at fault in a car accident. It bans underwriting rules that would increase a driver's insurance cost based solely on their involvement in an accident where they were deemed not responsible by the insurer. Insurers must now document all underwriting rules, file them with the state insurance commissioner, and apply them uniformly across the state. The law takes effect 90 days after enactment and applies to new or renewed policies after that date.