Auto Insurance Presentation Understanding Policy Limits and PIP Medical Expense BenefitsMarch 2, 2016

March 2, 2016
The River Palm Terrace
Edgewater, NJ

Keith Roberts Esq. presents the legal analysis for application of the “standard policy” $250,000.00 of PIP benefits, and the importance of the coverage selection form for all insureds.

Mr. Roberts, lecturing to a group of 100 doctors and lawyers, discusses the importance of understanding the importance of the New Jersey statutory requirement of a coverage selection form for automobile standard automobile insurance policy limits as per N.J.S.A 39:6A-4.3(e). Importantly, Roberts explains, that the applicable insurance regulations require that “lower limits” below that of the “standard” $250,000.00 of medical expense (PIP) benefits must be affirmatively selected in writing by the insured, as per N.J.A.C. 11:3-14.3.

In his presentation, Roberts relied upon the following authority:

DOBI Bulletin 2102-7

Relevant No Fault Arbitration Awards:

Forthright file no. NJ1406001562849
Forthright file no. NJ1406001562849 - Appeal
Forthright file no. NJ1302001487739
Forthright file no. NJ1201001427503

Relevant Case Law:

Open MRI Rochelle Park v. Mercury 421 N.J. Super. 160 (App. Div. 2011)
Endo Surgery Center v. Liberty Mutual 391 N.J. Super. 588 (App. Div. 2007)
Weinsch v. Sawyer 123 N.J. 333 (1991)
Oravsky v. Encompass 804 F. Supp 2d 228

Statutes and Regulations:

N.J.S.A. 39:6A-4.3
N.J.A.C. 11:3-14.3

Attorney: Keith Roberts

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