Glen Reilly, Petitioner-Appellant v. Aaa Mid-Atlantic Insurance Company of New Jersey, Respondent-Respondent

Summary

The Supreme Court reversed the Appellate Division, holding that the Department of Banking and Insurance exceeded its statutory authority by classifying a single‑vehicle accident as “at‑fault” for insurance eligibility points using underwriting criteria; the term must be interpreted through negligence concepts. The Court also addressed mootness but proceeded because the issue is of public importance. Justice Rivera‑Soto dissented, arguing the case is not of general public importance and would affirm the lower court.