What is PIP?
PIP stands for Personal Injury Protection. It covers your
medical bills if you are injured in an automobile accident. PIP coverage must
be included on every Auto insurance policy in New Jersey.
What is the amount of coverage under PIP?
The standard amount of PIP coverage is $250,000.
Are lower amounts available?
Lower amounts are available, but they are not recommended.
Is PIP “No Fault” and what does this mean?
Yes. This means that your own policy covers you for
injuries sustained in an auto accident regardless of who is driving, whose car
you are in, or who is at fault.
Will my health insurance policy cover injuries
sustained in an auto accident if I select my health insurance as “primary”?
It depends on the type of health insurance plan you have.
Therefore, it is important to find out if you have auto accident coverage under
your health insurance, and how much coverage you have. If you want to select “health
primary,” you must obtain written information on your health plan coverage for
auto accidents.
Can I select Medicare
or Medicaid as my primary health insurer for auto accidents?
No, you cannot
select Medicare or Medicaid
as your primary health insurer for auto accidents. Your auto insurance must be
primary.
What if I select my health insurance as primary and
they won’t pay?
If you have selected “health primary” and your health
insurance won’t pay for treatment of injuries from an auto accident, you can
file a claim under your auto policy. But you’ll have to pay back premiums to
the insurance company, plus an additional penalty deductible of $750.
Where can I get more information about PIP or other
insurance questions?
My website has a lot of additional information: www.farmersagent.com/drobinson1
And you can email or call my office with any questions:
973-232-5086 drobinson1@farmersagent.com
Sources: www.state.nj.us/dobi; www.personalinjurylawjournal.com
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