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New Jersey cannot afford another policy that quietly detonates auto-insurance costs—especially in a NO-FAULT state. Granting driver’s licenses to illegal immigrants is sold as “safety” or “fairness,” but auto insurance does not run on intentions. It runs on risk math, and New Jersey’s no-fault system magnifies every mistake policymakers make. Below is what Trenton refuses to explain. 1) How auto insurance is actually priced (no politics, just math) Every auto insurance premium is built on: Expec