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Auto no-fault
Livery (taxi, limo, bus, etc.) passengers
If there are individuals traveling as passengers in a church bus, taxi, or limo, and they are injured in a car accident, who would pay for their medical expenses? I believe personal injury protection benefits would be excluded under the personal auto policy in New York. Please confirm.
Mileage benefits run out
Our client was injured in an automobile accident and has been collecting under his Personal Injury Protection coverage. He has been receiving mileage reimbursements for his trips to get medical treatment. Now the company is stating that he can no longer receive mileage reimbursement as an “other expense” item because it has been over a year since he was hurt. Is this true, and if so can he start getting the mileage payments under his medical benefits?
PIP deductible
Is the $200 Personal Injury Protection deductible applied per person in the car? If so, who pays for the passengers’ deductible? Are the rules the same in the voluntary market and in the New York Automobile Insurance Plan?
Which state’s PIP applies?
What determines the state in which personal injury protection benefits will apply? For example, if we have an insured in New Jersey who has an officer with a company car who lives and garages the vehicle in New York state, which benefits will apply? In New York, the benefits follow the car; and New Jersey, the benefits follow the individual.
Garaging location implications
We have an individual who lives in New York (works and drives a company car that is registered in New Jersey but is garaged in New York) and does not have a personal auto policy. If he is in an accident in New Jersey, would he be entitled to New Jersey benefits? If he had an accident in New York, would he be entitled to New York benefits? Also, this individual is scheduled under the New York Broadened PIP endorsement since he lives in New York. Since the New Jersey benefits are broader, do you think we could run into any problems scheduling him under the New Jersey PIP endorsement?
PIP coverage for an intoxicated pedestrian
We have been made aware of a claim against one of our insureds in which a pedestrian, who tested positive for drug use, walked into the path of a car driven by our insured. Does the company have to cover medical bills?
Slip-and-fall or no-fault?
We have an insured who slipped and fell on ice in a hotel parking lot. He submitted a claim to the hotel and sent all his medical bills to the hotel’s insurance carrier. The hotel’s insurer told him that since he was exiting a vehicle, he must submit his claim to his auto insurance carrier. Is this correct?
Motorcycle PIP
Our agency has noticed that some motorcycle policyholders who come to our office for an insurance quote have OBEL coverage on their current policies. Is this coverage really available on a motorcycle, and what would it cover?
PIP coverage for school bus passengers
If a child is injured in a vehicle used to transport school children, and the vehicle has a seating capacity of less than 15 passengers, which policy provides personal injury protection benefits? Is it the commercial auto policy insuring the vehicle or the parent’s personal auto policy?
Basic PIP vs. Added PIP coverage
Besides the increased limits, what are some differences between Basic PIP and Added PIP?
Pennsylvania no-fault
The Pennsylvania PIP benefits appear to be very similar to New York where the PIP benefits follow the car. Please confirm.