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  1. Deceased producer—commissions | Ask PIA

    I own an agency, and one of our producers recently passed away. This producer is still owed commission payments. What do we do with these payments? Can we pay them to the next of kin?

    Under Connecticut Statutes Section 38a-702l, a person may not receive commissions flowing from the sale, solicitation or negotiation of insurance without holding a valid insurance license. C.G.S. Section 38a-702j states that the commissioner may issue a temporary license (not to exceed 180 days) to individuals, including a surviving spouse or...

  2. PIP coverage—who is insured | Ask PIA

    Who is covered for Personal Injury Protection coverage?

    We want to take very good care of all family members who reside in the named insured’s household. The family is covered while occupying any “automobile” not excluded. Any “automobile” includes those owned, leased, borrowed or rented; but not one that is stolen, or one that is owned...

  3. PIP coverage—optional PIP | Ask PIA

    What PIP benefits are optional for a New Jersey Standard auto policy?

    Extra PIP. The Standard policy provides the following Extra PIP package benefits in addition to medical expense benefits: 1) $100 per-week income continuation benefit, subject to a $5,200 maximum amount. 2) $12 per-day essential services benefit, subject to a $4,380 maximum amount. Essential services mean duties you...

  4. PIP coverage—which policy pays | Ask PIA

    Which policy pays for Personal Injury Protection coverage?

    According to N.J.S.A. 39:6A-4.2, PIP benefits are designed to be payable from the injured person’s policy. Coverage is primary under the policy where the insured is a named insured. If not a named insured, coverage is primary under the policy where the insured is a resident family member...

  5. PIP coverage—Basic policy | Ask PIA

    What PIP limits may be purchased for a Basic policy?

    The only option available for a Basic policy is coverage for: medical expense benefits not to exceed $15,000 per accident; and treatment not to exceed $250,000 per person for “catastrophic injury” benefits. A “catastrophic injury” means the treatment of: permanent or significant brain or spinal-cord...

  6. PIP coverage—Special policy | Ask PIA

    What PIP limits may be purchased for a Special policy?

    The only option available for a Special policy is coverage for: treatment not to exceed $250,000 per person for emergency care and permanent brain and spinal-cord injuries; and a $10,000 death benefit. Eligibility for a Special policy is limited to Medicaid recipients. Presumably, Medicaid will pay most other non-emergency...

  7. PIP coverage—out of state | Ask PIA

    What happens to PIP coverage when injured outside New Jersey?

    First of all, the PIP coverage territory is different than the territory for other coverages afforded by the personal auto policy. According to a Superior Court decision (Hermann v. Rutgers), coverage is worldwide. This means that if you rent a vehicle in Europe, you will have PIP benefits payable there....

  8. PIP coverage—nonresident | Ask PIA

    What happens when nonresidents get injured in New Jersey?

    The “deemer” statute (N.J.S.A. 17:28-1.4) requires insurers who are authorized in New Jersey, but insure vehicles registered outside New Jersey, to provide the personal injury protection benefits required by law. This includes out-of-state registrants who self insure their vehicles (Dieng v. Enterprise Rent-A-Car). Consequently, if your aunt from Kansas...

  9. PIP coverage—offsets to benefits | Ask PIA

    Can PIP benefits be reduced by other sources of recovery?

    The “collateral source” provision of the law (N.J.S.A. 39:6A-6) permits the payer to reduce PIP benefits only for the following sources of recovery: workers’ compensation; temporary disability benefits; Medicare; and military health care. Suppose you were injured in an auto accident while delivering a policy for your agency....

  10. PIP coverage—deductible/co-payment | Ask PIA

    What is the claimant’s share of medical expenses?

    The no-fault law was designed to make you feel some monetary pain along with your physical pain, thus the deductible and co-payment.  Deductible. The family will be subject to a shared per-accident deductible, ranging from $250 to $2,500. A separate base $250 deductible applies to nonfamily members, regardless of the...

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