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  1. PIP coverage—vehicles afforded Extended Medical Expense Benefits | Ask PIA

    What vehicle is covered by Extended Medical Expense Benefits Coverage?

    Extended Medical Expense Benefits Coverage is not addressed in the no-fault law. It was kind of an after-thought. For injuries not connected with an automobile, the commissioner recognized the need to have something like the old medical payments coverage. So insurers were told in regulation [N.J.A.C. 11:3-7.3(b)] to file something....

  2. PIP coverage—Standard policy | Ask PIA

    What PIP benefits are mandatory for a Standard policy?

    The following medical expense benefits are included in a Standard policy: the treatment of family not to exceed $250,000 per person for “catastrophic injury” benefits; the treatment of family with a range of options from $15,000 to $250,000 per person for medical-expense benefits (the default limit is $250,000);...

  3. PIP coverage—for pedestrians | Ask PIA

    How does it work when the claimant is a pedestrian?

    When struck by an “automobile,” the family is going to be covered for PIP benefits by the personal automobile policy that is closest to them, whether as a named insured or as a family member of a named insured. 1. If you are struck by an “automobile,” and you are a...

  4. PIP coverage—Extended Medical Expense Benefits | Ask PIA

    What is covered by Extended Medical Expense Benefits coverage?

    Medical expenses are covered, but not funeral expenses. Insurers must include a limit of $1,000 per person, but may offer an option of $10,000. This coverage is excess over medical expense coverage that applies to the vehicle occupied. This coverage is available under both Basic and Standard policies, but...

  5. Multi-state policies | Ask PIA

    An insured lives in New York and has a car here, but also has a residence in Florida and has a car there too. The car is garaged in Florida so, therefore, they took out a Florida policy. Can an insured have two auto policies? If this is OK and...

    Yes, it is permissible for an insured to have two auto policies in two different states. State laws require that a vehicle needs to be insured in the state where it is registered. So, if the insured has the vehicles registered in different states, they will need to obtain...

  6. Nonpayment cancellation gap prevention | Ask PIA

    How does the effective time for nonpayment cancellation affect a policyholder who intends to make the payment on the cancellation date?

    A nonpayment cancellation takes effect at 12:01 a.m. on the effective date of cancellation. For example, if your auto policyholder drives the vehicle into your office to make a payment on the nonpayment cancellation date, the coverage has already lapsed by that time (after 12:01 a.m. that day). You should...

  7. Bank requirements | Ask PIA

    Can a lender require property insurance limits in excess of the replacement cost of the property in order to match the mortgage loan amount?

    No. A lender cannot require insurance in excess of the replacement value of the structure. The regulation reads: “No mortgage lender shall, in connection with any application for a loan secured by a mortgage on real property located in New Jersey, require any mortgagor to obtain by purchase or otherwise...

  8. PIP coverage—commercial auto broadened PIP | Ask PIA

    How do you insure a corporate officer who has no personal auto policy?

    When the corporate officer is an occupant of an “automobile” scheduled on the named insured’s business auto policy, coverage is automatically provided. Such coverage is primary when the corporate officer has no policy of his or her own under which to submit a claim. If coverage is desired when...

  9. PIP coverage—Broadened PIP (PAP) | Ask PIA

    How do you give family PIP benefits coverage to a nanny?

    When the nanny is an occupant of an “automobile” scheduled on the named insured’s personal auto policy, coverage is automatically provided. Such coverage is primary when the nanny has no policy of her own under which to submit a claim. If coverage is desired when the nanny is not...

  10. Physician’s statement required for driver | Ask PIA

    One of our insureds has had their personal auto coverage with a carrier for many years and recently turned 70 years old. The carrier is requesting the insured provide them with a physician’s statement. Are carriers allowed to ask the insured for a physician’s statement when they turn 70 years...

    Based on underwriting, a carrier can require an older insured/driver to provide a physician’s statement. The carrier is not allowed to discriminate solely based on age, but can underwrite based on the competency of the insured to drive.

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