In Bell v. Hardy, the Appellate Division of the Superior Court of New Jersey reaffirmed the stringent requirements of the state’s no-fault automobile insurance laws. Antonio Bell’s claim for injuries sustained in a car accident was barred because he failed to comply with New Jersey’s insurance requirements, despite his arguments of unintentional misrepresentation and dual residency. From the insurer’s perspective, this case highlights the importance of accurate policy information and underscores the risks of attempting to circumvent state-specific insurance laws. Antonio Bell sued Georgie M. Hardy after a collision in April 2022. Hardy struck Bell’s parked car, a 2002 Kia Sportage,
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