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Auto no-fault
Bus PIP—who does it cover?
Which passengers are covered under the Personal Injury Protection (PIP) coverage on a policy covering a church bus?
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.
Which state’s PIP applies?
What determines the state the benefits will apply to? For example, if we have an insured that is in New Jersey that has an officer with a company car, but lives and garages the vehicle in the state of New York, which benefits would apply? In New York, the benefits follow the car; and in 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?
Pennsylvania no-fault
The Pennsylvania PIP benefits appear to be very similar to New York where the PIP benefits follow the car. 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’ deductibles? Are the rules the same in the voluntary market and in the New York Automobile Insurance Plan?
PIP coverage for drunk/drugged pedestrian
We have been made aware of a claim against one of our insureds, where a pedestrian who tested positive for drug use walked out into the path of a car being 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 the ice in a hotel parking lot. He submitted a claim to the hotel and sent all his doctor bills, etc., to the hotel’s carrier. They told him that since he was exiting a vehicle, he must submit his claim to his no-fault carrier. Is this correct?
Borrowed pickup
A client that has a personal automobile policy that includes New Jersey personal injury protection borrows a pickup truck that is owned by a corporation and insured on a commercial auto policy. He and his wife are moving their own furniture when the accident occurs. Will the personal auto PIP cover their injuries in the corporately owned and commercially registered borrowed pickup truck?
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 policy. Is this 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?