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  1. NJAIP applicants | Ask PIA

    In the New Jersey Personal Automobile Insurance Plan, does the name of the registration have to match the name on the policy?

    Yes. The vehicle owner and registrant must be the applicant, according to N.J.A.C. 11:3-6.3-(e)3: "The surname of the insured must agree with the surname shown on the insured motor vehicle’s current motor vehicle registration as issued by the New Jersey Motor Vehicle Commission."

  2. Disruptive client—agency refusal to write coverage | Ask PIA

    What do you do with a client that you don’t want anymore? We have an insured that is very disruptive when he comes into the office to make a payment.

    Connecticut Insurance Law contains no requirements governing a producer’s termination of service to a policyholder. The terminating producer should advise the policyholder of the right to continue coverage with the insurer, unless canceled or nonrenewed in accord with Connecticut Insurance Law Section 38a-323. Tell the policyholder that he needs to...

  3. Surcharges—driver | Ask PIA

    My insured is a truck driver. He had two accidents while driving a commercial vehicle in the course of employment. His previous insurance carrier excluded these accidents in calculating his eligibility points. Now the new insurer says they should be counted. Who's right?

    The new carrier is right. N.J.A.C. 11:3-34.3 shows that accidents while driving commercial vehicles are chargeable.

  4. Death benefit | Ask PIA

    My insured suffered a fatality. Now the company wants to deny the death benefit and funeral expense provisions of the personal injury protection coverage. They say the benefits do not apply because the insured did not die within 48 hours after the accident. I’ve never heard of this rule.

    The company is wrong. The only requirement found in the statute (Section 39:6A-4) and in the coverage form (PP 05 77) is that the claimant’s death must result from the covered injury. There is no reference to a time period.

  5. Agent immunity for tort-option selection | Ask PIA

    Are agents held harmless for their client’s selection of a verbal threshold?

    Yes. The law reads: Notwithstanding any other provision of law to the contrary, no person, including, but not limited to, an insurer, an insurance producer as defined in Section 2 of P.L. 1987, c.293 (C. 17:22A-2), a servicing carrier or noninsurer servicing carrier acting in...

  6. Household driver not eligible | Ask PIA

    There are four drivers in a single household with two vehicles. Three are eligible persons, but the fourth, a daughter, has 10 eligibility points. Can the entire household be written on a single policy?

    This depends on vehicle use by the daughter involved. If the daughter accounts for 10 percent or more of the use of either vehicle, then she and the vehicle will need to be written in the New Jersey Personal Automobile Insurance Plan. However, if she accounts for less than 10...

  7. Personal bankruptcies | Ask PIA

    If a producer has filed for a personal bankruptcy, will this affect the renewal of the producer’s license?

    On the producer’s insurance license renewal application there is a question about bankruptcy filings. Producers must answer in the affirmative if they have filed for bankruptcy since their license was issued. The New Jersey Department of Banking and Insurance will respond to this affirmative answer by investigating the circumstances of...

  8. Coverage for bike-car accident | Ask PIA

    While my insured was out riding his bike, he hit and damaged a car. Which policy pays: his automobile or his homeowners?

    The homeowners policy pays for the damage he caused to the car. The standard homeowners policy’s liability exclusion applies only to damage arising in connection with motorized vehicles, so the use of his bike, being nonmotorized, is not excluded. But, if your insured had been injured, he could be compensated...

  9. Livery (taxi, limo, bus, etc.) passengers | Ask PIA

    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.

    You are partially correct. The personal auto policy will not pay personal injury protection benefits for injury to a passenger if the vehicle has a seating capacity of less than 15 passengers. But for vehicles with a seating capacity of 15 or more passengers, the personal auto policy will provide...

  10. Cybersecurity regulation—agency limited exemption compliance timeline and how to file | Ask PIA

    If I qualify for the limited exemption, when and how do I file the exemption form with the state?

    The earliest that you must comply with any part of the regulation is Aug. 28, 2017. If you qualify for any of the limited exemptions, you are required to file a Notice of Exemption within 30 days of the determination that you are exempt, so the earliest the exemption form...

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