NJ S834

Prohibits automobile insurers in New Jersey from raising insurance rates or assigning policyholders to higher-risk rating tiers based solely on involvement in motor vehicle accidents where the insured was deemed not at fault by their insurer

Amends existing law (P.L.1997, c.151) governing automobile insurance underwriting rules that insurers must file with and have approved by the commissioner

Insurers who knowingly violate underwriting rules face fines of not less than $1,000 per violation

Takes effect 90 days after enactment and applies to automobile insurance policies initiated or renewed on or after that date

Sponsored by Senator Robert W. Singer (District 30 - Monmouth and Ocean counties) and pre-filed for introduction in the 2026 legislative session