Coverage
This is the maximum statutory amount of basic PIP coverage available in NJ, unless otherwise selected.
What is $250,000?
This family member, living in the insured’s household, is typically covered under NJ PIP.
Who is a resident relative?
An insured must submit this form to apply for PIP benefits after an accident.
What is the Application for PIP Benefits (AFB)?
Policyholders with health insurance may select this option to reduce their PIP premium.
What is Health Insurance Primary?
This is the timeframe for an insurer to respond to a providers pre-certification request.
What is 72 hours?
A driver who elects the “Basic Policy” may receive as little as this much in medical expense coverage.
What is $15,000?
A passenger injured in someone else’s vehicle will typically first look to this policy for PIP.
What is their own auto policy?
This form is used by medical providers to notify the insurer of a treatment plan that requires precertification.
What is the Attending Provider Treatment Plan (APTP) form / “Pre-Cert form”)?
This is the standard wage benefit under NJ PIP.
Wages are paid at a maximum loss of income up to $100 for a maximum of 52 weeks, or $5,200. Additional benefits may be purchased under APIP/XPIP.
This is the timeframe we have to review and respond, if a bill needs to be reconsidered due to additional information received.
What is 10 days?
Household help such as cleaning or childcare may be covered under this PIP benefit.
What are Essential Services Benefits?
If you are struck as a pedestrian by an automobile, PIP benefits come from?
What is your own auto insurance policy or NJ PLIGA(no household insurance?
How excited are you for the weekend?
Whoohoo!!!
The insured is responsible for both the deductible and this additional cost-sharing element before PIP pays 100%.
What is copay/coinsurance?
An insurer must pay or deny a properly submitted PIP bill within this many days.
What is 60 days?
However - Metro FPM meets at day 15!
This benefit is provided to survivors when an insured person dies as a result of an accident.
What is the Death Benefit?
This type of NJ PIP coverage election coverages Medical Expenses only but not lost wages, essential services or death benefits.
What is Med Expense only coverage?
We require this form from an injured party if they are stranger to the policy, before considering to afford benefits.
What is an Affidavit of no other insurance?
If a provider would like to dispute a claim/bill(s), this is the mandatory process before arbitration or court.
What is an appeal?
We have ** days to respond to a pre-service appeal and ** day to respond to a post service appeal.
What are 14 days and 30 days?
Medicare, Medicaid and ERISA Plan recipients are not allowed to choose this PIP coordination option.
What is Health Insurance Primary?
Along with the PIP deductible, NJ PIP requires the insured to pay this percentage up to $5,000 in medical expenses.
What is 20%?
This form must be completed when purchasing or renewing an auto policy in NJ, allowing drivers to choose their PIP, lawsuit threshold, and other options
What is the NJ Coverage Selection Form?
This coverage applies when the insured is injured in a "highway vehicle".
What is Med Pay / Extended Medical Expense Benefits Coverage?
If an insurer requests additional medical records or information, the provider must supply it within this timeframe to avoid denial.
What is 105 days?