If you have not registered for members-only sevices from PIA click here.
Browse by topic
Auto no-fault
No-fault won’t cover eyeglasses
I have an insured who had an at-fault auto accident in which her prescription glasses were broken. The insurance company is telling her to collect under her homeowners policy because personal injury protection coverage will not pay for prescription glasses. Is this true?
Which law prevails?
We have a personal auto client, a New Jersey resident, who was injured while driving a New Jersey-registered company car in New York state. Does the personal auto policy respond as primary coverage (because New Jersey PIP coverage follows the insured), or does the company’s business auto policy respond as primary coverage (because New York PIP coverage follows the auto)?
Death benefit
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.
Verbal threshold
How does the verbal threshold work? Does it apply to economic loss or just non-economic loss?
Agent immunity for tort-option selection
Are agents held harmless for their client’s selection of a verbal threshold?
Out-of-state drivers clarified
There is an accident in New Jersey and both drivers are Pennsylvania residents. The claimant’s insurance company does not do business in New Jersey, but the defendant’s does. Would the New Jersey verbal threshold apply?
PIP coverage—who is insured
Who is covered for Personal Injury Protection coverage?
PIP coverage—optional PIP
What PIP benefits are optional for a New Jersey Standard Auto Policy?
PIP coverage—Basic policy
What PIP limits may be purchased for a Basic policy?
PIP coverage—nonresident
What happens when nonresidents get injured in New Jersey?
PIP coverage—motor bus no-fault
What is the no-fault coverage for a motor bus?
PIP coverage—fee schedule and protocols
How are the costs of PIP medical expense benefits limited?
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?
Pennsylvania no-fault
The Pennsylvania PIP benefits appear to be very similar to New York where the PIP benefits follow the car. Please confirm.