if i recall, the state of NJ, spikes one's insurance (auto) for a wreck, even if he/she is not at fault.That's ridiculous.
so no, insurance spikes are all too real,
Insurance Surcharges : New Jersey Traffic Law Center
INSURANCE SURCHARGE FACTS The New Jersey Merit Rating Program, created by N.J.S.A. 17:29A-35 requires Motor Vehicle Services to collect insurance surcharges from motorists whose driving records include certain motor vehicle offenses. The surcharges that are imposed are in addition to any...
