This bill amends existing New Jersey law regarding personal injury protection (PIP) coverage under automobile insurance policies. It specifically prohibits the selection of health insurance coverage as the primary payer for PIP benefits, ensuring that the personal injury protection coverage of the named insured is the primary coverage for themselves and any resident relatives who are not covered under their own automobile insurance policy. The bill also clarifies that no individual can recover PIP benefits from more than one automobile insurance policy for injuries sustained in a single accident.

Additionally, the bill removes previous provisions that allowed for health insurance coverage to be designated as primary in relation to medical expense benefits. It mandates that automobile insurers cannot permit the selection of other health insurance coverage as primary, thereby reinforcing the primacy of PIP coverage. The changes aim to streamline the claims process and ensure that PIP benefits are consistently applied across insured individuals in the state. The act will take effect immediately and apply to all relevant insurance plans issued or renewed after its enactment.

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