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When do I need to collect a signed Personal Injury Protection (PIP) medical coverage selection form?

For new business after July 1, 2020, any applicant or named insured seeking a policy should be offered the PIP medical coverage selection form. In order to make an effective PIP medical selection, the customer must return and the producer must collect a signed and completed PIP medical coverage selection form. If the customer does not return a completed form at application, the carrier should issue the policy with unlimited PIP medical.

For renewals for customers who have selected unlimited, $500,000, or $250,000 in PIP medical coverage (Options 1, 2, or 3), if a customer does not return a completed PIP medical coverage selection form but pays their renewal premium, the law allows for a “rebuttable presumption” that the insured wants to maintain the current limit, and the carrier can renew the policy with the same PIP medical selection.

For renewals for customers who have selected $250,000 with exclusions, $50,000 in PIP medical coverage, or the PIP medical opt out (Options 4, 5, or 6), a completed and signed PIP medical coverage selection form and proof of enrollment in Medicaid, Medicare, or Qualified Health Coverage must be collected at every renewal.

For renewals for customers who would like to change their PIP medical coverage option, the customer must return and the producer must collect a signed and completed PIP medical coverage selection form with the new PIP medical limit.

It is important to note that some insurance carriers may have additional requirements or procedures regarding when a completed and signed PIP medical coverage selection form should be returned. Contact the carriers you represent for more information on any company-specific requirements.