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Bill > S3143
NJ S3143
NJ S3143Provides that automobile insurers may act as primary insurer and pursue claims against health insurers under certain circumstances.
summary
Introduced
01/13/2026
01/13/2026
In Committee
01/13/2026
01/13/2026
Crossed Over
Passed
Dead
Introduced Session
2026-2027 Regular Session
Bill Summary
This bill provides that, in the case of an automobile accident in which the primary insurer has not yet been determined, an automobile insurer may act as the primary insurer and then pursue a claim against a health insurer if the insured has selected the health insurer as the primary coverage for medical expense benefits. Under the bill, if injuries are sustained in an automobile accident by an insured, subsequent to the selection of the health insurance coverage or benefits as primary option by the named insured pursuant to current law, an automobile insurer: (1) shall provide the health insurance coverage or benefits carrier with notice of the insured's coverage selection; and (2) may provisionally assume the role of primary coverage provider, while retaining the right to file a claim against the health insurance coverage or benefits carrier to recover any amounts which would have been paid by the health insurance coverage or benefits carrier if the carrier had acted as the primary insurer, plus reasonable attorneys' fees and court costs.
AI Summary
This bill allows automobile insurers to temporarily act as the primary insurer for medical expenses following a car accident, even if the insured has chosen their health insurance as primary coverage. If the primary insurer hasn't been determined yet, the auto insurer can cover the immediate medical costs and then seek reimbursement from the health insurer. This is applicable when an insured has already selected their health insurance as the primary option for medical benefits. The auto insurer must notify the health insurer of the insured's choice and can then provisionally cover the expenses, retaining the right to file a claim against the health insurer for any amounts that should have been paid by them, including legal fees and court costs.
Committee Categories
Business and Industry
Sponsors (1)
Last Action
Introduced in the Senate, Referred to Senate Commerce Committee (on 01/13/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.njleg.state.nj.us/bill-search/2026/S3143 |
| BillText | https://pub.njleg.gov/Bills/2026/S3500/3143_I1.HTM |
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