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

S 834 prohibits New Jersey automobile insurers from raising premiums based on a policyholder's involvement in a motor vehicle accident where they were deemed not at fault. This directly affects drivers who were not responsible for accidents but might have faced higher insurance costs under current practices. The bill amends existing law to ban insurers from using accident involvement (without fault) as a factor in underwriting rules or rating plans. The legislation requires insurers to file underwriting rules with the state commissioner and apply them uniformly, though it remains pending and is not yet law.