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

This bill prohibits automobile insurers from raising premiums for drivers deemed not at fault in accidents involving municipal vehicles (e.g., city-owned cars). It specifically bans insurers from using such accidents as a factor to assign drivers to higher insurance rating tiers. The rule applies only when the at-fault party was a municipality protected by legal immunity under New Jersey law. Private drivers affected by this provision would no longer face rate increases due to accidents where they were not at fault and the other party was a municipal vehicle.