Reilly v. AAA Mid-Atlantic Insurance

The opinion of the court was delivered by

S.L. REISNER, J.A.D.

This case concerns the definition of an “at-fault” accident for purposes of assessing eligibility points for automobile insurance, pursuant to N.J.S.A. 17:33B-14 and N.J.A.C. 11:3-34.3. We affirm the final decision of the Department of Banking and Insurance that Glenn Reilly was properly assessed five points for a one-car weather-related accident, but we conclude that the Department must revise its regulations prospectively to define the term “at-fault” and clarify its application to one-car accidents.

I

This case arose when Reilly’s…