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Personal auto
290003-00
Tort options
Which tort option applies to Personal Injury Protection claimants who are not insured under any family auto policy?...
290004-00
Untimely premium payment
One of our companies is nonrenewing our auto customers who do not pay their renewal premium on time without sending out a separate notice......
290008-00
PAIP/CAIP eligibility
Is a leased private-passenger auto eligible for the New Jersey Commercial Automobile Insurance Plan by virtue of the fact that it is registered by......
290010-00
PAIP change—signatures
In the Personal Automobile Insurance Plan, do we need to get our client’s signature on a change request form?...
290011-00
Age discrimination
We had a company turn down our applicant for personal auto coverage, because he is over 70. How can they do this?...
290034-00
When do points accrue for an at-fault accident?
Our insured recently was involved in an auto accident for which the company set up a reserve. So far, the company has not paid any money out on......
290043-00
’Response to emergency’ surcharge exemption
What’s the rule exempting accidents involving emergency workers from surcharges?...
290047-00
PAIP application—witness of signature
My client needs to apply to the New Jersey Automobile Insurance Plan for coverage immediately. The problem is that she is currently in Florida......
290055-00
Timely renewal payments
A personal auto policyholder received a renewal bill; the premium due date was Nov. 5. The insured mailed the renewal premium payment on......
290070-00
Suspended drivers
We insure a couple who have two vehicles. The husband has recently had his license suspended, but the wife’s driving record is clean. The......
290075-00
Nonrenewals of personal auto policies
Could you review the limitations on nonrenewals of personal auto policies? Do these limits apply to terminated agents’ business as well?...
290088-00
Use separate PAIP log
Our agency uses a log for I.D. cards we issue on Personal Automobile Insurance Plan business. We use the same log for the Commercial Automobile......
290102-00
Personal auto policy coverage for hauling boats in connection with business
My client has a personal auto policy. He also owns a business. About two or three times a year, he hauls boats that are connected with his......
290104-00
NJAIP applicants
In the New Jersey Personal Automobile Insurance Plan, does the name of the registration have to match the name on the policy?...
290112-00
PAIP certification
How long do I have, as a certified producer, to notify the New Jersey Personal Automobile Insurance Plan of a change pertaining to an employee......
290117-00
When do points accrue?
When are traffic citations and accidents chargeable to the experience period on an auto policy?...
290122-00
Rental cars—‘loss of use’
Our insured has a personal auto policy and is renting a vehicle while the insured vehicle is being repaired due to loss. The insured does not want......
290157-00
Servicing SAIP-qualified applicants
If I am a New Jersey Automobile Insurance Plan-certified producer must I assist Special Automobile Insurance Policy-qualified applicants with......
290161-00
School bus passenger
If a child is injured on a school bus, what policy pays their medical expenses? It is my understanding that the school bus is not required to......
290176-00
Uninsured motorist property damage
Car A is rear-ended by Car B after Car B was rear-ended by Car C. Car A suffered property damage only, but Car B’s insurer is denying......
290192-00
Insurance penalty points
According to New Jersey Insurance Law, a person whose license has been suspended for failure to comply with a time-payment order or for failure to......
290252-00
Utility trailer coverage
A Boy Scout Troop “owns” a dual axle, $3,000 utility trailer used to store and haul their camping equipment around. Since the troop is......
290257-00
Vehicle liability of co-signer on a lease
Our client co-signed a lease for a vehicle acquired by his nanny. The dealer says our client is only backing the lease, but I am concerned that he......
290268-00
Zipcars and nonstandard policies
Because my client was not an authorized driver of a Zipcar when he had an accident, the insurer of the Zipcar is denying liability coverage. My......
290269-00
Photo inspection deferral on an additional vehicle
How long does a policyholder have to complete a physical damage inspection when adding a vehicle to a policy that already has physical damage......
290270-00
Removing a vehicle
What exactly do we need to do to remove a vehicle from an automobile policy in New Jersey? Do we need anything from the New Jersey Motor Vehicle......
290278-00
Personal auto—undisclosed operator
On a personal auto policy, if a carrier discovers there is an 18-year old living in the household who has not been rated on their policy, can they......
290302-00
Deliveries—step-down provision
I just noticed in one of my carrier’s policies that there is a provision that if my client does any deliveries with their personal......
290308-00
PAIP certification—principals
We have a principal who is still on the agency’s New Jersey Personal Automobile Insurance Plan certification, but he has retired. Do we......
900002-00
Transportation expenses
Does a personal auto policy provide expenses for airfare if our insured is on vacation and his vehicle is stolen?...
900014-00
Medical payment for pets
Our insured was in an auto accident. The family dog, riding in the car, was hurt. Are the veterinarian’s bills covered under the medical......
900016-00
Camper trailers
My client has an auto camper-trailer on blocks at a campsite with an attached, screened-in porch. Is the porch covered against damage or loss on......
900019-00
Snowplowing—personal auto liability
My insured has a pickup truck as his personal vehicle. In the winter, he mounts a snowplow on it—for his personal use, he says. I am......
900025-00
Golf cart liability
Our client accidentally injured his golf partner when he lost control of the golf cart. He has asked whether there is any coverage under his auto......
900026-00
Volunteer drivers
One of my insureds drives her own personal vehicle in volunteer work for the Red Cross. She transports people to doctors and hospitals for......
900037-00
Named non-owned coverage
How does our agency provide coverage for people who do not insure owned autos on a personal automobile policy to protect them when they......
900040-00
Federal employee exclusion
My insured took a job with the U.S. Post Office. She became alarmed when she was told by her employer that her personal auto policy would not......
900046-00
Noncooperation
My client’s car was hit by another auto. Now the other driver’s insurer has denied coverage due to lack of cooperation by its insured.......
900049-00
Physical damage
We have a client who is the named insured on a personal auto policy covering his owned vehicle. His wife and son have leased another vehicle. Is......
900063-00
Military service and youthful operators
We insure a family whose young son is away serving in the military. Do we need to rate him as a youthful operator on his family’s auto policy?...
900069-00
Horse trailers covered
We insure a husband and wife who own eight automobiles and three trailers. They use the trailers to haul horses. Are the trailers covered under......
900079-00
Damage by rodent
The lights went out on my client’s Thunderbird. The mechanic found a mouse that had been chewing on the wires. Can a claim be made under the......
900082-00
Total loss—insurer’s option
Following a coastal storm, we had a loss involving a vehicle which had been subjected to immersion in salt water. The client had a $2,000 repair......
900087-00
Coverage for employer
My client’s employer wants to be covered while the client uses his personal auto for business-related activities. How can the employer be......
900089-00
Stolen auto scenarios
We recently had two situations involving stolen vehicles. In the first case, a stolen car hit our insured’s car. Can he collect from the......
900090-00
Trailer has coverage under personal auto policy
We have an insured with a tractor that he transports on a trailer pulled by his personal vehicle. He may be starting a lawn-mowing business. He......
900162-00
Comprehensive coverage applies to contact with deer
Would a collision with a deer be considered a “collision” under the personal auto policy and, therefore, covered under the collision......
900163-00
Coverage for day-care transport
Our insured provides family day-care in her home. When she is driving the children in her car, would any accident be covered under her personal......
900164-00
Duty to defend when limits exhausted
Under the personal auto policy, are the liability limits reduced by the legal costs of defending the claim?...
900165-00
Other state registrations
Does a Connecticut personal auto policy cover autos that are registered in other states?...
900168-00
Motor home not covered if rented to friend
Our client owns a motor home, insured under a personal auto policy. He wants to rent it to a friend and wants to know if it will still be covered......
900169-00
Damage to plow
We’ve run into a claim dispute over a snowplow attached to a pickup truck. The insurer is denying the claim for damage to the plow, based on......
900170-00
No license, no permit
We have a company that went ahead and added a 16-year-old to his parents’ auto policy, even though this teenager doesn’t have a......
900203-00
Non-owned motorcycle dilemma
We have been asked the following question but need to confirm the answer. Alexander, 21, took a short ride (about a half mile) on his......
900205-00
Third-party uninsured vehicle
Can an insurer deny payment for damages to a claimant’s vehicle if the claimant’s vehicle was uninsured at the time? The......
900232-00
Renting a moving truck
My client is renting a moving truck to move from one house to another. The rental company is telling him that his auto policy will not cover him......
900265-00
’Active duty’ clarification
We were told by one company that if a son/daughter is in “boot camp” or basic training that this is not considered active duty,......
900272-00
PAP coverage for vehicle contents
Our insured transported on his trailer a tool box belonging to his future son-in-law. The box was loaded negligently, flipping the trailer......
900274-00
Be careful when replacing vehicles
An insured contacted us to let us know of the purchase of a new vehicle and that he was trading in the old one shortly. Our insured also informed......
900288-00
Lending a vehicle to a friend
Our daughter has a vehicle, with her own insurance policy, away at school with her. She called me the other day to tell me the car was in an......
900289-00
Borrowing a friend’s truck to pick up supplies
I borrowed my friend’s pick-up truck so I could go to Home Depot and get some supplies. While I was borrowing it, I got into an accident. I......
900317-00
Insuring the lessor on a personal auto policy
My client insures a leased vehicle on a personal auto policy. The leasing company is requiring that it be added to the policy as an additional......
900328-00
Deceased auto policyholder
We have an auto policyholder who recently died and her children are wondering if they can drive the car. If they are insured while driving the......
900364-00
Pizza delivery
Our insured’s son just started working for a pizza shop. They are having him use his own car for the deliveries. I am worried there would be......
900386-00
DWI—collision coverage
I have a personal auto insured that was involved in an accident and was cited for driving while intoxicated. The carrier is disclaiming collision......
900399-00
Personal auto owned by trust
When a trust owns a vehicle insured on a personal automobile policy written in the name of the grantor, how do you reconcile coverage as primary......
900408-00
Automobile recall
Recently, an auto manufacturer had a recall on the air bags in some of their vehicles and they are advising consumers not to drive their vehicles......
900434-00
Thinking of pizza delivery while laid off from work
Our insured’s son just started working for a pizza shop because he has been temporarily laid off from work. They are having him use his own......