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What happens if my client wants to exclude Personal Injury Protection (PIP) medical coverage (Option 4) but does not provide proof of Qualified Health Coverage (QHC)?
When applying for new coverage or renewing existing coverage, if an insured has chosen limited PIP medical coverage of $250,000, with some or all persons excluded from PIP medical (Option 4), they must provide a completed PIP selection form and proof of QHC for all excluded household members. If proof of QHC is not provided, the policy must be issued with limits of $250,000 for all persons without proof of QHC and with no PIP medical coverage for those who do provide proof of QHC. The insured will be charged the appropriate premium for those not excluded from PIP medical on the policy.