NJ A4570

Prohibits automobile insurers from increasing premiums, imposing surcharges, or adversely rerating policies for drivers deemed not at fault in accidents by their insurer.

Requires the Commissioner of Banking and Insurance to establish standards for determining "at-fault accidents," including automatic exclusions when a vehicle is struck from behind or by a driver determined to be at fault.

Mandates insurers provide written disclosure to policyholders for any adverse rerating, including the basis for the at-fault determination, specific premium impacts, and the right to dispute through insurer and administrative review.

Applies to automobile insurance policies issued, delivered, or renewed beginning the first day of the seventh month following enactment.