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NJ S3142
NJ S3142Prohibits selection of health insurance coverage as primary under personal injury protection coverage.
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
The bill removes a provision under current law allowing the selection of health insurance coverage as the primary payer for personal injury protection coverage and prohibits that practice. Instead, the bill requires the personal injury protection coverage of the named insured to be the primary coverage for the named insured and any resident relatives in the named insured's household who are not named insureds under an automobile insurance policy of their own.
AI Summary
This bill, by amending existing laws, prohibits individuals from designating their health insurance as the primary coverage for medical expenses incurred from car accidents under their auto insurance's Personal Injury Protection (PIP) coverage. PIP is a type of auto insurance that covers medical expenses and lost wages for injuries sustained in an accident, regardless of fault. The bill mandates that the PIP coverage from the named insured's own automobile insurance policy must be the primary source of payment for the named insured and any relatives living in their household who don't have their own auto insurance. This change aims to ensure that auto insurance policies are the first line of defense for accident-related medical costs, rather than allowing individuals to opt for their health insurance to pay first.
Committee Categories
Business and Industry
Sponsors (2)
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/S3142 |
| BillText | https://pub.njleg.gov/Bills/2026/S3500/3142_I1.HTM |
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