I have been getting many requests from clients who want to opt out of Personal Injury Protection (PIP) medical, even though they are not on Medicare. I tell them they are not eligible unless they are on Medicare, but is there something else I should do?

Producers are expected to inform their customers about all of the PIP medical options available to them under the new law.

Customers who would like remove PIP medical coverage from their policy but do not have Medicare Parts A and B might be eligible to exclude PIP medical under the limited coverage option of $250,000, with some or all persons excluded from PIP medical (Option 4). A named insured who wishes to exclude PIP medical coverage must have Qualified Health Coverage (QHC) that is not Medicare. Any resident relative or spouse who wishes to exclude PIP medical coverage must have QHC. Anyone who is excluded will have no PIP medical coverage. Anyone who is not excluded will have $250,000 in PIP medical coverage.