Bill > A6189

This bill amends existing New Jersey insurance law to prohibit automobile insurers from raising insurance rates for private individuals who are involved in motor vehicle accidents where they are deemed not at fault and the at-fault party is a municipality protected by legal immunity. Specifically, the bill adds a provision to the state's insurance code that prevents insurers from using underwriting rules to assign an individual to a higher-risk rating plan if they are involved in an accident with a municipal vehicle and are determined to be not at fault by their own insurance provider. The law applies to municipalities subject to immunity under Title 59 of the New Jersey Statutes, which generally protects government entities from certain types of legal liability. The bill will take effect 90 days after enactment and will apply to automobile insurance policies issued or renewed on or after that date. This legislation aims to protect individual drivers from potential insurance rate increases resulting from accidents that are not their fault, particularly when the other party is a municipal vehicle.

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https://www.njleg.state.nj.us/bill-search/2024/A6189