State Farm Mutual Automobile Insurance Company, Plaintiff-Respondent and Cross-Appellant, and Allstate Insurance…

Summary

The Supreme Court of New Jersey held that the Fair Automobile Insurance Reform Act of 1990 is facially constitutional, finding that its provisions prohibiting direct passthroughs of assessments and surtaxes do not constitute a taking, due‑process violation, contract‑clause impairment, or bill of attainder. The Court reversed in part and modified in part the Chancery Division judgment, while noting a concurrence that the statute remains vulnerable to as‑applied challenges.