NJ auto insurance - personal injury protection selection

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NJ auto insurance - personal injury protection selection

Postby ieee488 » Fri Jun 28, 2013 6:26 pm

My mom just moved to NJ.
Her primary medical insurance is Medicare with supplemental of United Healthcare.

Per the state of NJ website http://www.state.nj.us/dobi/division_co ... option.htm
my mom cannot choose Medicare to be the primary coverage on PIP.

We have decided to pay about $200 her to have the auto insurance policy provide the primary coverage.

Does anyone have experience with this?
ieee488
 
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Re: NJ auto insurance - personal injury protection selection

Postby Calm Man » Fri Jun 28, 2013 8:59 pm

Without being a wise guy, I am a New Jersey resident with a post-graduate degree from an Ivy league university. I cannot understand PIP medical options. I have GEICO as an insurer and basically told thme what medical insurance I have and trsuted them to advise me properly. The system is absolutely insane but tell your mother that we who call New Jersey our home really do love it. We have 4 seasons and all sorts of things to do (seriously) and we tend to stay.
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Re: NJ auto insurance - personal injury protection selection

Postby ieee488 » Fri Jun 28, 2013 10:27 pm

I have Amica so Amica advised my mom to get the primary PIP through the auto insurance, so that is what we did.

Right now PIP is maxed out at $250,000.

Is that what you have?
ieee488
 
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Re: NJ auto insurance - personal injury protection selection

Postby Calm Man » Sat Jun 29, 2013 4:34 pm

Yes. My company medical policy (now retiree) requires the auto to be primary. It's not all that much anyway so don't sweat it.
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Re: NJ auto insurance - personal injury protection selection

Postby ieee488 » Sat Jun 29, 2013 6:01 pm

So, you are retired but not eligible for Medicare yet?
ieee488
 
Posts: 1364
Joined: 10 Dec 2009


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