Prohibits automobile insurers from increasing automobile insurance rates on persons deemed not at fault in automobile accidents.

This New Jersey bill prohibits automobile insurance companies from raising rates for drivers who are determined not to be at fault in car accidents. The law requires insurers to file their underwriting rules with state regulators for approval and prevents them from using a driver's involvement in a non-fault accident as a reason to increase premiums. Additionally, the bill mandates that insurers apply their rating rules uniformly across the state and establishes a schedule for assigning points to various driving violations and accidents.