This bill amends existing New Jersey law regarding personal injury protection (PIP) coverage by prohibiting the selection of health insurance as the primary coverage for medical expenses related to automobile accidents. The new language mandates that the personal injury protection coverage of the named insured will be the primary coverage for themselves and any resident relatives in their household who do not have their own automobile insurance policy. Additionally, it specifies that no individual can recover PIP benefits from more than one automobile insurance policy for injuries sustained in a single accident.

The bill also removes previous provisions that allowed health insurance coverage to be designated as the primary payer for medical expenses under PIP. This change aims to streamline the process of claiming benefits and ensure that PIP coverage is utilized first. The bill is set to take effect immediately and will apply to all relevant insurance plans delivered, issued, executed, or renewed in New Jersey after the effective date.

Statutes affected:
Introduced: 39:6A-4.2, 39:6A-4.3, 39:6A-12