Ask PIA is a members-only searchable database featuring hundreds of
member questions answered by our highly-qualified technical specialists
If you have not registered for members-only sevices from PIA click here.
Search
Browse by topic
Auto no-fault
290019-00
Which state’s PIP applies?
In New York, the policy that pays personal injury protection benefits is determined by the vehicle the person occupies and, in New Jersey, the......
290020-00
Workers’ compensation offsets
If an employee is in an accident while working, he or she will file the medical claims under workers’ compensation coverage. If their......
290021-00
Livery (taxi, limo, bus, etc.) passengers
If there were individuals traveling as passengers in a bus or a limo, and they were injured in a car accident, who would pay for their medical......
290032-00
Out-of-state drivers
If a Pennsylvania driver gets into an accident in New Jersey, does the New Jersey verbal threshold apply?...
290061-00
PIP threshold
If a husband has a personal auto policy with a zero threshold, and the wife also has a PAP but chooses the verbal threshold, what option would......
290069-00
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......
290101-00
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......
290106-00
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......
290107-00
Verbal threshold
How does the verbal threshold work? Does it apply to economic loss or just non-economic loss?...
290108-00
Agent immunity for tort-option selection
Are agents held harmless for their client’s selection of a verbal threshold?...
290167-00
Accident with commercial vehicle
Does New Jersey’s verbal threshold apply when a private-passenger vehicle and a commercial vehicle are involved in an accident?...
290172-00
Eligibility for PIP benefits
What are the two most important things policyholders need to know about eligibility for New Jersey PIP benefits?...
290182-00
Out-of-state registration
I have a client who will soon be declaring residency in Florida and changing his driver’s license to Florida. He will be living in Florida......
290205-00
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......
290207-00
Out-of-state medical treatment
Our client has a New Jersey personal automobile policy and is seeking medical treatment for an accident. If he chooses to see a doctor located in......
290213-00
PIP coverage—definition of an “automobile”
What vehicles are eligible for personal injury protection coverage?...
290214-00
PIP coverage—who is insured
Who is covered for Personal Injury Protection coverage?...
290215-00
PIP coverage—optional PIP
What PIP benefits are optional for a New Jersey Standard auto policy?...
290216-00
PIP coverage—which policy pays
Which policy pays for Personal Injury Protection coverage?...
290217-00
PIP coverage—Basic policy
What PIP limits may be purchased for a Basic policy?...
290218-00
PIP coverage—Special policy
What PIP limits may be purchased for a Special policy?...
290219-00
PIP coverage—out of state
What happens to PIP coverage when injured outside New Jersey?...
290220-00
PIP coverage—nonresident
What happens when nonresidents get injured in New Jersey?...
290221-00
PIP coverage—offsets to benefits
Can PIP benefits be reduced by other sources of recovery?...
290222-00
PIP coverage—deductible/co-payment
What is the claimant’s share of medical expenses?...
290223-00
PIP coverage—vehicles afforded Extended Medical Expense Benefits
What vehicle is covered by Extended Medical Expense Benefits Coverage?...
290224-00
PIP coverage—Standard policy
What PIP benefits are mandatory for a Standard policy?...
290225-00
PIP coverage—for pedestrians
How does it work when the claimant is a pedestrian?...
290226-00
PIP coverage—Extended Medical Expense Benefits
What is covered by Extended Medical Expense Benefits coverage?...
290227-00
PIP coverage—recovery of payment
Are PIP benefits recoverable by the payer?...
290228-00
PIP coverage—Broadened PIP (PAP)
How do you give family PIP benefits coverage to a nanny?...
290229-00
PIP coverage—commercial auto broadened PIP
How do you insure a corporate officer who has no personal auto policy?...
290231-00
PIP coverage—motor bus no-fault
What is the no-fault coverage for a motor bus?...
290232-00
PIP coverage—motor bus defined
What is an “insured motor bus”?...
290233-00
PIP coverage—fee schedule and protocols
How are the costs of PIP medical expense benefits limited?...
290234-00
PIP coverage—health as primary
How does the health-as-primary option work?...
290235-00
PIP coverage—pros and cons of the health-as-primary option
What are the consequences of choosing the health-as-primary option?...
290246-00
PIP coverage—persons afforded extended medical expense benefits
Who is insured by Extended Medical Expense Benefits Coverage?...
290287-00
PIP coverage—nonresident relative
We are quoting an auto policy for an elderly woman living in her home by herself. Her son, in his mid-50s, lives across the street in his own......
290289-00
No-fault law
What is the New Jersey no-fault law as it applies to personal vehicles?...
290290-00
Right to sue
Under the New Jersey Automobile Reparations Reform Act, must I limit my right to sue someone responsible for my injuries in an auto accident?...
290294-00
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......
900055-00
Pennsylvania no-fault
The Pennsylvania PIP benefits appear to be very similar to New York where the PIP benefits follow the car. Please confirm....