The PIPulator © – By Jeffrey E. Salomon, Esq.

Untitled QnA

<div id='Q-1' name='Q-1' style='display:none;'> Which of the following best describes the accident?
</div><div id='Q-1.1' name='Q-1.1' style='display:none;'> Was the injured individual in their own vehicle?	
</div><div id='Q-1.1.1' name='Q-1.1.1' style='display:none;'> Do any of the following apply?
</div><div id='Q-1.1.1.1' name='Q-1.1.1.1' style='display:none;'> When the accident occurred, was the injured individual online or offline?
</div><div id='Q-1.1.1.1.1' name='Q-1.1.1.1.1' style='display:none;'> At the time of the accident, had the injured either accepted a fair (en route) or did they have a fair in their vehicle?
</div><div id='Q-1.1.1.1.1.1' name='Q-1.1.1.1.1.1' style='display:none;'> The injured individual does not receive any PIP benefits. The injured individual may be entitled to medical payments benefits of at least $10,000. Beyond the medical payments benefit, the injured individual must either use their health insurance or treat out-of-pocket and/or on a lien if there is no health insurance. 
</div><div id='Q-1.1.1.1.1.2' name='Q-1.1.1.1.1.2' style='display:none;'> The injured individual may be eligible for PIP benefits through their own auto insurance policy. See insurance declaration page for PIP limits.
</div><div id='Q-1.1.1.1.2' name='Q-1.1.1.1.2' style='display:none;'> The injured individual will get PIP benefits through their own auto insurance policy. See insurance declaration page for PIP limits.
</div><div id='Q-1.1.1.2' name='Q-1.1.1.2' style='display:none;'> The injured individual’s medical bills must be covered by the individual’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through the commercial vehicle’s insurance. There may be a small amount of medical payments available to the injured for emergency medical treatment. See declaration page for medical payment limits. 
</div><div id='Q-1.1.1.3' name='Q-1.1.1.3' style='display:none;'> Was the vehicle a commercial vehicle?
</div><div id='Q-1.1.1.3.1' name='Q-1.1.1.3.1' style='display:none;'> See insurance declaration page for this vehicle as there may be medical payment benefits for emergency medical treatment. The injured may be entitled to workers’ compensation benefits through their employer’s workers’ compensation insurance. If the individual does not have workers’ compensation benefits, then the injured individual’s medical bills must be covered by the individual’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through the commercial vehicle’s auto insurance, an individual policy or that of a resident relative. The injured individual is not entitled to PIP benefits through NJPLIGA. 
</div><div id='Q-1.1.1.3.2' name='Q-1.1.1.3.2' style='display:none;'> See auto insurance declaration page for this vehicle for PIP benefits.  If applicable, Workers’ Compensation may be the ultimate payer of medical bills; however, PIP will be the primary source. 
</div><div id='Q-1.1.1.4' name='Q-1.1.1.4' style='display:none;'> An injured individual who is operating their own uninsured vehicle is not entitled to PIP benefits. They will not receive PIP benefits through NJPLIGA or through any auto insurance policy of a resident relative . The injured individual’s medical bills must be covered by the individual’s health insurance or out of pocket if the injured is uninsured.
</div><div id='Q-1.1.1.5' name='Q-1.1.1.5' style='display:none;'> The injured individual may be entitled to a small amount of medical payments for emergency medical treatment. See auto insurance declarations page. The injured is not entitled to PIP benefits through their own auto insurance, through the auto insurance of a resident relative or through NJPLIGA.  The injured individual’s medical bills must be covered by the individual’s health insurance or out of pocket if the injured is uninsured.
</div><div id='Q-1.1.1.6' name='Q-1.1.1.6' style='display:none;'> The injured individual is likely eligible for PIP benefits through their own auto insurance policy. See insurance declaration page for PIP limits.		
</div><div id='Q-1.1.2' name='Q-1.1.2' style='display:none;'> Which of the following vehicles was the injured individual in?		
</div><div id='Q-1.1.2.1' name='Q-1.1.2.1' style='display:none;'>There are no PIP benefits for Uber and lyft passengers. Additionally, there are no PIP benefits available through the injured parties own auto insurance policy or those of resident relatives. The injured individual is not entitled to PIP benefits through NJPLIGA. The injured individual may treat under their own health insurance plan or out of pocket. The injured individual is a zero threshold. Uber/Lyft have $1.5 Million in liability and UM/UIM insurance.
</div><div id='Q-1.1.2.2' name='Q-1.1.2.2' style='display:none;'>Taxi cabs and limos are considered commercial vehicles and typically do not have PIP. There may be a small amount of medical payments available. See declaration page for the commercial vehicle. There are no PIP benefits available through the injured parties own auto insurance policy or those of resident relatives. The injured individual is not entitled to PIP benefits through NJPLIGA. The injured individual will have to treat under health insurance or liens. If the injured individual was in the course of their employment at the time of the accident then workers compensation benefits may be available for medical bills.
</div><div id='Q-1.1.2.3' name='Q-1.1.2.3' style='display:none;'>The injured individual may be entitled to  a small amount of medical payments. See declaration page for the commercial vehicle. There are no PIP benefits available through the injured parties own auto insurance policy or those of resident relatives.  The injured individual is not entitled to PIP benefits through NJPLIGA. The injured individual will have to treat under health insurance or liens. If on the job, workers compensation may be responsible for medical bills.
</div><div id='Q-1.1.2.4' name='Q-1.1.2.4' style='display:none;'>Does the injured individual have their own vehicle/auto insurance or is client listed as named insured on someone else's policy?
</div><div id='Q-1.1.2.4.1' name='Q-1.1.2.4.1' style='display:none;'> The injured individual may be eligible for PIP benefits through their own auto insurance. See insurance declaration page for PIP limits.	
</div><div id='Q-1.1.2.4.2' name='Q-1.1.2.4.2' style='display:none;'>Does client reside with a relative who has their own vehicle/auto insurance?
</div><div id='Q-1.1.2.4.2.1' name='Q-1.1.2.4.2.1' style='display:none;'>The injured individual may be eligible for PIP benefits through the auto insurance of their resident relative.See insurance declaration page for PIP limits.
</div><div id='Q-1.1.2.4.2.2' name='Q-1.1.2.4.2.2' style='display:none;'>The injured individual is likely eligible for $250,000 of PIP benefits through NJPLIGA. *Note: NJPLIGA is only available for New Jersey residents.
</div><div id='Q-1.1.2.5' name='Q-1.1.2.5' style='display:none;'>What kind of bus?
</div><div id='Q-1.1.2.5.1' name='Q-1.1.2.5.1' style='display:none;'>The injured passenger’s medical bills must be paid through the the injured’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through the bus or NJPLIGA.
</div><div id='Q-1.1.2.5.2' name='Q-1.1.2.5.2' style='display:none;'>The injured passenger may be entitled to up to  $250,000 of medical expense benefits through the bus’ insurance. The injured passenger is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through NJPLIGA.
</div><div id='Q-1.1.2.6' name='Q-1.1.2.6' style='display:none;'>Does the injured individual have their own vehicle/auto insurance or is the injured individual listed as a named insured on someone else's policy?
</div><div id='Q-1.1.2.6.1' name='Q-1.1.2.6.1' style='display:none;'> The injured individual may be eligible for PIP benefits through their own auto insurance policy. See insurance declaration page for PIP limits.	
</div><div id='Q-1.1.2.6.2' name='Q-1.1.2.6.2' style='display:none;'>Does the injured individual reside with a relative who has their own vehicle/auto insurance?
</div><div id='Q-1.1.2.6.2.1' name='Q-1.1.2.6.2.1' style='display:none;'>The injured individual may be eligible for PIP benefits through the auto insurance of their resident relative. See insurance declaration page for PIP limits.
</div><div id='Q-1.1.2.6.2.2' name='Q-1.1.2.6.2.2' style='display:none;'>The injured individual may be eligible for PIP benefits through the auto insurance of the vehicle they were a passenger in at the time of the accident. See insurance declaration page of host vehicle for PIP limits.
</div><div id='Q-1.2' name='Q-1.2' style='display:none;'> Which of the following best describes the type of vehicle the injured individual was struck by?
</div><div id='Q-1.2.1' name='Q-1.2.1' style='display:none;'> The injured pedestrian may be entitled to up to  $250,000 of pedestrian PIP coverage (medical expense benefits) through the commercial vehicle’s insurance. The injured pedestrian is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured pedestrian is not entitled to PIP benefits through NJPLIGA.
</div><div id='Q-1.2.2' name='Q-1.2.2' style='display:none;'> The injured pedestrian may be entitled to up to  $250,000 of pedestrian PIP coverage (medical expense benefits) through the vehicle’s insurance. The injured pedestrian is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured pedestrian is not entitled to PIP benefits through NJPLIGA.
</div><div id='Q-1.2.3' name='Q-1.2.3' style='display:none;'> The injured pedestrian may be entitled to up to  $250,000 of pedestrian PIP coverage (medical expense benefits) through the motorcycle’s insurance. The injured pedestrian is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured pedestrian is not entitled to PIP benefits through NJPLIGA.
</div><div id='Q-1.2.4' name='Q-1.2.4' style='display:none;'>What kind of bus?
</div><div id='Q-1.2.4.1' name='Q-1.2.4.1' style='display:none;'>The injured individual’s medical bills must be paid through the individual’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through the bus or NJPLIGA.
</div><div id='Q-1.2.4.2' name='Q-1.2.4.2' style='display:none;'>The injured individual may be entitled to up to  $250,000 of pedestrian PIP coverage (medical expense benefits) through the bus’ insurance. The injured passenger is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through NJPLIGA.
</div><div id='Q-1.2.5' name='Q-1.2.5' style='display:none;'> The injured individual’s medical bills must be paid through the individual’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through the government vehicle or NJPLIGA.
</div><div id='Q-1.2.6' name='Q-1.2.6' style='display:none;'> At the time the accident occurred, was the operator of the rideshare logged in to the mobile app (i.e., engaged in a ride or on the way to pick up a ride)?
</div><div id='Q-1.2.6.1' name='Q-1.2.6.1' style='display:none;'> The injured individual must treat using health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to any PIP benefits either through their own auto insurance, that of a resident relative or NJPLIGA. 
</div><div id='Q-1.2.6.2' name='Q-1.2.6.2' style='display:none;'> Does the injured individual have their own vehicle/auto insurance or is the injured individual listed as a named insured on someone else's policy?
</div><div id='Q-1.2.6.2.1' name='Q-1.2.6.2.1' style='display:none;'> The injured individual may be eligible for PIP benefits through their own auto insurance policy. See insurance declaration page for PIP limits.	
</div><div id='Q-1.2.6.2.2' name='Q-1.2.6.2.2' style='display:none;'>Does the injured individual reside with a relative who has their own vehicle/auto insurance?
</div><div id='Q-1.2.6.2.2.1' name='Q-1.2.6.2.2.1' style='display:none;'>The injured individual may be eligible for PIP benefits through the auto insurance of their resident relative. See insurance declaration page for PIP limits.
</div><div id='Q-1.2.6.2.2.2' name='Q-1.2.6.2.2.2' style='display:none;'> The injured individual may be eligible for $250,000 of PIP benefits through NJPLIGA. *Note: NJPLIGA is only available for New Jersey residents.
</div><div id='Q-1.2.7' name='Q-1.2.7' style='display:none;'> Which of the following describes the type of vehicle that was uninsured or unknown?
</div><div id='Q-1.2.7.1' name='Q-1.2.7.1' style='display:none;'> The injured individual’s medical bills must be paid through the the injured’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through the uninsured/unknown vehicle or NJPLIGA.
</div><div id='Q-1.2.7.2' name='Q-1.2.7.2' style='display:none;'> The injured individual’s medical bills must be paid through the the injured’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through the uninsured/unknown vehicle or NJPLIGA.
</div><div id='Q-1.2.7.3' name='Q-1.2.7.3' style='display:none;'> The injured individual must treat using health insurance or out of pocket. The injured Party would not be entitled to PIP through a personal auto insurance policy or that of a resident relative. The injured individual would not be entitled to PIP through NJPLIGA. 
</div><div id='Q-1.2.7.4' name='Q-1.2.7.4' style='display:none;'>What kind of bus?
</div><div id='Q-1.2.7.4.1' name='Q-1.2.7.4.1' style='display:none;'>The injured individual’s medical bills must be paid through the individual’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through the bus or NJPLIGA.
</div><div id='Q-1.2.7.4.2' name='Q-1.2.7.4.2' style='display:none;'> The injured individual’s medical bills must be paid through the the injured’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through the uninsured/unknown vehicle or NJPLIGA.			
</div><div id='Q-1.2.7.5' name='Q-1.2.7.5' style='display:none;'>Does the injured individual have their own vehicle/auto insurance or is the injured individual listed as a named insured on someone else's policy?
</div><div id='Q-1.2.7.5.1' name='Q-1.2.7.5.1' style='display:none;'> The injured individual may be eligible for PIP benefits through their own auto insurance policy. See insurance declaration page for PIP limits.	
</div><div id='Q-1.2.7.5.2' name='Q-1.2.7.5.2' style='display:none;'>Does the injured individual reside with a relative who has their own vehicle/auto insurance?
</div><div id='Q-1.2.7.5.2.1' name='Q-1.2.7.5.2.1' style='display:none;'>The injured individual may be eligible for PIP benefits through the auto insurance of their resident relative. See insurance declaration page for PIP limits.
</div><div id='Q-1.2.7.5.2.2' name='Q-1.2.7.5.2.2' style='display:none;'> The injured individual may be eligible for $250,000 of PIP benefits through NJPLIGA. *Note: NJPLIGA is only available for New Jersey residents.
</div><div id='Q-1.2.8' name='Q-1.2.8' style='display:none;'>Does the injured individual have their own vehicle/auto insurance or is the injured individual listed as a named insured on someone else's auto insurance policy?
</div><div id='Q-1.2.8.1' name='Q-1.2.8.1' style='display:none;'> The injured individual may be eligible for PIP benefits through their own auto insurance policy. See insurance declaration page for PIP limits.	
</div><div id='Q-1.2.8.2' name='Q-1.2.8.2' style='display:none;'>Does the injured individual reside with a relative who has their own vehicle/auto insurance?
</div><div id='Q-1.2.8.2.1' name='Q-1.2.8.2.1' style='display:none;'>The injured individual may be eligible for PIP benefits through the auto insurance of their resident relative. See insurance declaration page for PIP limits.
</div><div id='Q-1.2.8.2.2' name='Q-1.2.8.2.2' style='display:none;'> The injured individual may be eligible for $250,000 of PIP benefits through NJPLIGA.
</div><div id='Q-1.3' name='Q-1.3' style='display:none;'>The injured individual may be entitled to a small sum of medical payments for emergency care through the motorocycle’s insurance. See motorcycle insurance declaration page for amounts. The injured individual’s medical bills must be paid through the the injured’s health insurance or out of pocket if the injured is uninsured. The injured individual is not entitled to PIP benefits through the motorcycle’s insurance policy, a personal auto insurance policy or that of a resident relative. The injured individual is not entitled to PIP benefits through NJPLIGA.
</div><div id='A-1.1' name='A-1.1' style='display:none;'> Auto/motor vehicle accident
</div><div id='A-href-1.1' name='A-href-1.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1' name='A-target-1.1' style='display:none;'></div><div id='X-1.1' name='X-1.1' style='display:none;'>Auto/motor vehicle accident</div><div id='A-1.1.1' name='A-1.1.1' style='display:none;'> Yes
</div><div id='A-href-1.1.1' name='A-href-1.1.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1' name='A-target-1.1.1' style='display:none;'></div><div id='X-1.1.1' name='X-1.1.1' style='display:none;'>Yes</div><div id='A-1.1.1.1' name='A-1.1.1.1' style='display:none;'> The Injured individual was using their vehicle for ridesharing (i.e., Lyft, uber, etc.)
</div><div id='A-href-1.1.1.1' name='A-href-1.1.1.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.1' name='A-target-1.1.1.1' style='display:none;'></div><div id='X-1.1.1.1' name='X-1.1.1.1' style='display:none;'>The Injured individual was using their vehicle for ridesharing (i.e., Lyft, uber, etc.)</div><div id='A-1.1.1.1.1' name='A-1.1.1.1.1' style='display:none;'>Online
</div><div id='A-href-1.1.1.1.1' name='A-href-1.1.1.1.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.1.1' name='A-target-1.1.1.1.1' style='display:none;'></div><div id='X-1.1.1.1.1' name='X-1.1.1.1.1' style='display:none;'>Online</div><div id='A-1.1.1.1.1.1' name='A-1.1.1.1.1.1' style='display:none;'>Yes
</div><div id='A-href-1.1.1.1.1.1' name='A-href-1.1.1.1.1.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.1.1.1' name='A-target-1.1.1.1.1.1' style='display:none;'></div><div id='X-1.1.1.1.1.1' name='X-1.1.1.1.1.1' style='display:none;'>Yes</div><div id='A-1.1.1.1.1.2' name='A-1.1.1.1.1.2' style='display:none;'>No
</div><div id='A-href-1.1.1.1.1.2' name='A-href-1.1.1.1.1.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.1.1.2' name='A-target-1.1.1.1.1.2' style='display:none;'></div><div id='X-1.1.1.1.1.2' name='X-1.1.1.1.1.2' style='display:none;'>No</div><div id='A-1.1.1.1.2' name='A-1.1.1.1.2' style='display:none;'>Offline
</div><div id='A-href-1.1.1.1.2' name='A-href-1.1.1.1.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.1.2' name='A-target-1.1.1.1.2' style='display:none;'></div><div id='X-1.1.1.1.2' name='X-1.1.1.1.2' style='display:none;'>Offline</div><div id='A-1.1.1.2' name='A-1.1.1.2' style='display:none;'> The Injured individual ’s vehicle is a commercial vehicle and they were using it for personal use
</div><div id='A-href-1.1.1.2' name='A-href-1.1.1.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.2' name='A-target-1.1.1.2' style='display:none;'></div><div id='X-1.1.1.2' name='X-1.1.1.2' style='display:none;'>The Injured individual ’s vehicle is a commercial vehicle and they were using it for personal use</div><div id='A-1.1.1.3' name='A-1.1.1.3' style='display:none;'> The injured individual was in the course of their employment at the time of the accident
</div><div id='A-href-1.1.1.3' name='A-href-1.1.1.3' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.3' name='A-target-1.1.1.3' style='display:none;'></div><div id='X-1.1.1.3' name='X-1.1.1.3' style='display:none;'>The injured individual was in the course of their employment at the time of the accident</div><div id='A-1.1.1.3.1' name='A-1.1.1.3.1' style='display:none;'> Yes
</div><div id='A-href-1.1.1.3.1' name='A-href-1.1.1.3.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.3.1' name='A-target-1.1.1.3.1' style='display:none;'></div><div id='X-1.1.1.3.1' name='X-1.1.1.3.1' style='display:none;'>Yes</div><div id='A-1.1.1.3.2' name='A-1.1.1.3.2' style='display:none;'> No
</div><div id='A-href-1.1.1.3.2' name='A-href-1.1.1.3.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.3.2' name='A-target-1.1.1.3.2' style='display:none;'></div><div id='X-1.1.1.3.2' name='X-1.1.1.3.2' style='display:none;'>No</div><div id='A-1.1.1.4' name='A-1.1.1.4' style='display:none;'> The injured individual ’s vehicle was uninsured
</div><div id='A-href-1.1.1.4' name='A-href-1.1.1.4' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.4' name='A-target-1.1.1.4' style='display:none;'></div><div id='X-1.1.1.4' name='X-1.1.1.4' style='display:none;'>The injured individual ’s vehicle was uninsured</div><div id='A-1.1.1.5' name='A-1.1.1.5' style='display:none;'> The injured individual’s vehicle is insured with an SAIP (dollar-a-day) insurance policy
</div><div id='A-href-1.1.1.5' name='A-href-1.1.1.5' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.5' name='A-target-1.1.1.5' style='display:none;'></div><div id='X-1.1.1.5' name='X-1.1.1.5' style='display:none;'>The injured individual’s vehicle is insured with an SAIP (dollar-a-day) insurance policy</div><div id='A-1.1.1.6' name='A-1.1.1.6' style='display:none;'> None of the above applies
</div><div id='A-href-1.1.1.6' name='A-href-1.1.1.6' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.1.6' name='A-target-1.1.1.6' style='display:none;'></div><div id='X-1.1.1.6' name='X-1.1.1.6' style='display:none;'>None of the above applies</div><div id='A-1.1.2' name='A-1.1.2' style='display:none;'> No
</div><div id='A-href-1.1.2' name='A-href-1.1.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2' name='A-target-1.1.2' style='display:none;'></div><div id='X-1.1.2' name='X-1.1.2' style='display:none;'>No</div><div id='A-1.1.2.1' name='A-1.1.2.1' style='display:none;'>Uber/Lyft
</div><div id='A-href-1.1.2.1' name='A-href-1.1.2.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.1' name='A-target-1.1.2.1' style='display:none;'></div><div id='X-1.1.2.1' name='X-1.1.2.1' style='display:none;'>Uber/Lyft</div><div id='A-1.1.2.2' name='A-1.1.2.2' style='display:none;'>Taxi/Limo
</div><div id='A-href-1.1.2.2' name='A-href-1.1.2.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.2' name='A-target-1.1.2.2' style='display:none;'></div><div id='X-1.1.2.2' name='X-1.1.2.2' style='display:none;'>Taxi/Limo</div><div id='A-1.1.2.3' name='A-1.1.2.3' style='display:none;'>Commercial Vehicle
</div><div id='A-href-1.1.2.3' name='A-href-1.1.2.3' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.3' name='A-target-1.1.2.3' style='display:none;'></div><div id='X-1.1.2.3' name='X-1.1.2.3' style='display:none;'>Commercial Vehicle</div><div id='A-1.1.2.4' name='A-1.1.2.4' style='display:none;'>Uninsured Vehicle (non-commercial only)
</div><div id='A-href-1.1.2.4' name='A-href-1.1.2.4' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.4' name='A-target-1.1.2.4' style='display:none;'></div><div id='X-1.1.2.4' name='X-1.1.2.4' style='display:none;'>Uninsured Vehicle (non-commercial only)</div><div id='A-1.1.2.4.1' name='A-1.1.2.4.1' style='display:none;'>Yes
</div><div id='A-href-1.1.2.4.1' name='A-href-1.1.2.4.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.4.1' name='A-target-1.1.2.4.1' style='display:none;'></div><div id='X-1.1.2.4.1' name='X-1.1.2.4.1' style='display:none;'>Yes</div><div id='A-1.1.2.4.2' name='A-1.1.2.4.2' style='display:none;'>No
</div><div id='A-href-1.1.2.4.2' name='A-href-1.1.2.4.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.4.2' name='A-target-1.1.2.4.2' style='display:none;'></div><div id='X-1.1.2.4.2' name='X-1.1.2.4.2' style='display:none;'>No</div><div id='A-1.1.2.4.2.1' name='A-1.1.2.4.2.1' style='display:none;'>Yes
</div><div id='A-href-1.1.2.4.2.1' name='A-href-1.1.2.4.2.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.4.2.1' name='A-target-1.1.2.4.2.1' style='display:none;'></div><div id='X-1.1.2.4.2.1' name='X-1.1.2.4.2.1' style='display:none;'>Yes</div><div id='A-1.1.2.4.2.2' name='A-1.1.2.4.2.2' style='display:none;'>No
</div><div id='A-href-1.1.2.4.2.2' name='A-href-1.1.2.4.2.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.4.2.2' name='A-target-1.1.2.4.2.2' style='display:none;'></div><div id='X-1.1.2.4.2.2' name='X-1.1.2.4.2.2' style='display:none;'>No</div><div id='A-1.1.2.5' name='A-1.1.2.5' style='display:none;'>The injured was a passenger on a Bus
</div><div id='A-href-1.1.2.5' name='A-href-1.1.2.5' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.5' name='A-target-1.1.2.5' style='display:none;'></div><div id='X-1.1.2.5' name='X-1.1.2.5' style='display:none;'>The injured was a passenger on a Bus</div><div id='A-1.1.2.5.1' name='A-1.1.2.5.1' style='display:none;'>Public bus (i.e., NJ Transit, School bus, etc.)
</div><div id='A-href-1.1.2.5.1' name='A-href-1.1.2.5.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.5.1' name='A-target-1.1.2.5.1' style='display:none;'></div><div id='X-1.1.2.5.1' name='X-1.1.2.5.1' style='display:none;'>Public bus (i.e., NJ Transit, School bus, etc.)</div><div id='A-1.1.2.5.2' name='A-1.1.2.5.2' style='display:none;'>Private bus company (excluding hotel shuttles, paratransit vehicles and small buses operating under municipal consent)
</div><div id='A-href-1.1.2.5.2' name='A-href-1.1.2.5.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.5.2' name='A-target-1.1.2.5.2' style='display:none;'></div><div id='X-1.1.2.5.2' name='X-1.1.2.5.2' style='display:none;'>Private bus company (excluding hotel shuttles, paratransit vehicles and small buses operating under municipal consent)</div><div id='A-1.1.2.6' name='A-1.1.2.6' style='display:none;'>Standard Auto 
</div><div id='A-href-1.1.2.6' name='A-href-1.1.2.6' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.6' name='A-target-1.1.2.6' style='display:none;'></div><div id='X-1.1.2.6' name='X-1.1.2.6' style='display:none;'>Standard Auto</div><div id='A-1.1.2.6.1' name='A-1.1.2.6.1' style='display:none;'>Yes
</div><div id='A-href-1.1.2.6.1' name='A-href-1.1.2.6.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.6.1' name='A-target-1.1.2.6.1' style='display:none;'></div><div id='X-1.1.2.6.1' name='X-1.1.2.6.1' style='display:none;'>Yes</div><div id='A-1.1.2.6.2' name='A-1.1.2.6.2' style='display:none;'>No
</div><div id='A-href-1.1.2.6.2' name='A-href-1.1.2.6.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.6.2' name='A-target-1.1.2.6.2' style='display:none;'></div><div id='X-1.1.2.6.2' name='X-1.1.2.6.2' style='display:none;'>No</div><div id='A-1.1.2.6.2.1' name='A-1.1.2.6.2.1' style='display:none;'>Yes
</div><div id='A-href-1.1.2.6.2.1' name='A-href-1.1.2.6.2.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.6.2.1' name='A-target-1.1.2.6.2.1' style='display:none;'></div><div id='X-1.1.2.6.2.1' name='X-1.1.2.6.2.1' style='display:none;'>Yes</div><div id='A-1.1.2.6.2.2' name='A-1.1.2.6.2.2' style='display:none;'>No
</div><div id='A-href-1.1.2.6.2.2' name='A-href-1.1.2.6.2.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.1.2.6.2.2' name='A-target-1.1.2.6.2.2' style='display:none;'></div><div id='X-1.1.2.6.2.2' name='X-1.1.2.6.2.2' style='display:none;'>No</div><div id='A-1.2' name='A-1.2' style='display:none;'> Pedestrian or bicyclist
</div><div id='A-href-1.2' name='A-href-1.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2' name='A-target-1.2' style='display:none;'></div><div id='X-1.2' name='X-1.2' style='display:none;'>Pedestrian or bicyclist</div><div id='A-1.2.1' name='A-1.2.1' style='display:none;'>Commercial Vehicle 
</div><div id='A-href-1.2.1' name='A-href-1.2.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.1' name='A-target-1.2.1' style='display:none;'></div><div id='X-1.2.1' name='X-1.2.1' style='display:none;'>Commercial Vehicle</div><div id='A-1.2.2' name='A-1.2.2' style='display:none;'>Taxi Cab, limousine and/or other public or livery vehicle for passengers or rented to others with a driver
</div><div id='A-href-1.2.2' name='A-href-1.2.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.2' name='A-target-1.2.2' style='display:none;'></div><div id='X-1.2.2' name='X-1.2.2' style='display:none;'>Taxi Cab, limousine and/or other public or livery vehicle for passengers or rented to others with a driver</div><div id='A-1.2.3' name='A-1.2.3' style='display:none;'>Motorcycle 
</div><div id='A-href-1.2.3' name='A-href-1.2.3' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.3' name='A-target-1.2.3' style='display:none;'></div><div id='X-1.2.3' name='X-1.2.3' style='display:none;'>Motorcycle</div><div id='A-1.2.4' name='A-1.2.4' style='display:none;'>Bus
</div><div id='A-href-1.2.4' name='A-href-1.2.4' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.4' name='A-target-1.2.4' style='display:none;'></div><div id='X-1.2.4' name='X-1.2.4' style='display:none;'>Bus</div><div id='A-1.2.4.1' name='A-1.2.4.1' style='display:none;'>Public bus (i.e., NJ Transit, School bus, etc.)
</div><div id='A-href-1.2.4.1' name='A-href-1.2.4.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.4.1' name='A-target-1.2.4.1' style='display:none;'></div><div id='X-1.2.4.1' name='X-1.2.4.1' style='display:none;'>Public bus (i.e., NJ Transit, School bus, etc.)</div><div id='A-1.2.4.2' name='A-1.2.4.2' style='display:none;'>Private bus company (excluding hotel shuttles, paratransit vehicles and small buses operating under municipal consent)
</div><div id='A-href-1.2.4.2' name='A-href-1.2.4.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.4.2' name='A-target-1.2.4.2' style='display:none;'></div><div id='X-1.2.4.2' name='X-1.2.4.2' style='display:none;'>Private bus company (excluding hotel shuttles, paratransit vehicles and small buses operating under municipal consent)</div><div id='A-1.2.5' name='A-1.2.5' style='display:none;'>Government vehicle (Police, Fire, EMS, etc.) 
</div><div id='A-href-1.2.5' name='A-href-1.2.5' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.5' name='A-target-1.2.5' style='display:none;'></div><div id='X-1.2.5' name='X-1.2.5' style='display:none;'>Government vehicle (Police, Fire, EMS, etc.)</div><div id='A-1.2.6' name='A-1.2.6' style='display:none;'> Rideshare (Uber, Lyft, etc.)
</div><div id='A-href-1.2.6' name='A-href-1.2.6' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.6' name='A-target-1.2.6' style='display:none;'></div><div id='X-1.2.6' name='X-1.2.6' style='display:none;'>Rideshare (Uber, Lyft, etc.)</div><div id='A-1.2.6.1' name='A-1.2.6.1' style='display:none;'> Yes
</div><div id='A-href-1.2.6.1' name='A-href-1.2.6.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.6.1' name='A-target-1.2.6.1' style='display:none;'></div><div id='X-1.2.6.1' name='X-1.2.6.1' style='display:none;'>Yes</div><div id='A-1.2.6.2' name='A-1.2.6.2' style='display:none;'>No	
</div><div id='A-href-1.2.6.2' name='A-href-1.2.6.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.6.2' name='A-target-1.2.6.2' style='display:none;'></div><div id='X-1.2.6.2' name='X-1.2.6.2' style='display:none;'>No</div><div id='A-1.2.6.2.1' name='A-1.2.6.2.1' style='display:none;'>Yes
</div><div id='A-href-1.2.6.2.1' name='A-href-1.2.6.2.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.6.2.1' name='A-target-1.2.6.2.1' style='display:none;'></div><div id='X-1.2.6.2.1' name='X-1.2.6.2.1' style='display:none;'>Yes</div><div id='A-1.2.6.2.2' name='A-1.2.6.2.2' style='display:none;'>No
</div><div id='A-href-1.2.6.2.2' name='A-href-1.2.6.2.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.6.2.2' name='A-target-1.2.6.2.2' style='display:none;'></div><div id='X-1.2.6.2.2' name='X-1.2.6.2.2' style='display:none;'>No</div><div id='A-1.2.6.2.2.1' name='A-1.2.6.2.2.1' style='display:none;'>Yes
</div><div id='A-href-1.2.6.2.2.1' name='A-href-1.2.6.2.2.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.6.2.2.1' name='A-target-1.2.6.2.2.1' style='display:none;'></div><div id='X-1.2.6.2.2.1' name='X-1.2.6.2.2.1' style='display:none;'>Yes</div><div id='A-1.2.6.2.2.2' name='A-1.2.6.2.2.2' style='display:none;'>No
</div><div id='A-href-1.2.6.2.2.2' name='A-href-1.2.6.2.2.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.6.2.2.2' name='A-target-1.2.6.2.2.2' style='display:none;'></div><div id='X-1.2.6.2.2.2' name='X-1.2.6.2.2.2' style='display:none;'>No</div><div id='A-1.2.7' name='A-1.2.7' style='display:none;'>Uninsured vehicle or a phantom vehicle 
</div><div id='A-href-1.2.7' name='A-href-1.2.7' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7' name='A-target-1.2.7' style='display:none;'></div><div id='X-1.2.7' name='X-1.2.7' style='display:none;'>Uninsured vehicle or a phantom vehicle</div><div id='A-1.2.7.1' name='A-1.2.7.1' style='display:none;'>Commercial Vehicle 
</div><div id='A-href-1.2.7.1' name='A-href-1.2.7.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.1' name='A-target-1.2.7.1' style='display:none;'></div><div id='X-1.2.7.1' name='X-1.2.7.1' style='display:none;'>Commercial Vehicle</div><div id='A-1.2.7.2' name='A-1.2.7.2' style='display:none;'>Taxi
</div><div id='A-href-1.2.7.2' name='A-href-1.2.7.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.2' name='A-target-1.2.7.2' style='display:none;'></div><div id='X-1.2.7.2' name='X-1.2.7.2' style='display:none;'>Taxi</div><div id='A-1.2.7.3' name='A-1.2.7.3' style='display:none;'>Motorcycle 
</div><div id='A-href-1.2.7.3' name='A-href-1.2.7.3' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.3' name='A-target-1.2.7.3' style='display:none;'></div><div id='X-1.2.7.3' name='X-1.2.7.3' style='display:none;'>Motorcycle</div><div id='A-1.2.7.4' name='A-1.2.7.4' style='display:none;'>Bus 
</div><div id='A-href-1.2.7.4' name='A-href-1.2.7.4' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.4' name='A-target-1.2.7.4' style='display:none;'></div><div id='X-1.2.7.4' name='X-1.2.7.4' style='display:none;'>Bus</div><div id='A-1.2.7.4.1' name='A-1.2.7.4.1' style='display:none;'>Public bus (i.e., NJ Transit, School bus, etc.)
</div><div id='A-href-1.2.7.4.1' name='A-href-1.2.7.4.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.4.1' name='A-target-1.2.7.4.1' style='display:none;'></div><div id='X-1.2.7.4.1' name='X-1.2.7.4.1' style='display:none;'>Public bus (i.e., NJ Transit, School bus, etc.)</div><div id='A-1.2.7.4.2' name='A-1.2.7.4.2' style='display:none;'>Private bus company (excluding hotel shuttles, paratransit vehicles and small buses operating under municipal consent)
</div><div id='A-href-1.2.7.4.2' name='A-href-1.2.7.4.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.4.2' name='A-target-1.2.7.4.2' style='display:none;'></div><div id='X-1.2.7.4.2' name='X-1.2.7.4.2' style='display:none;'>Private bus company (excluding hotel shuttles, paratransit vehicles and small buses operating under municipal consent)</div><div id='A-1.2.7.5' name='A-1.2.7.5' style='display:none;'> Standard Auto
</div><div id='A-href-1.2.7.5' name='A-href-1.2.7.5' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.5' name='A-target-1.2.7.5' style='display:none;'></div><div id='X-1.2.7.5' name='X-1.2.7.5' style='display:none;'>Standard Auto</div><div id='A-1.2.7.5.1' name='A-1.2.7.5.1' style='display:none;'>Yes
</div><div id='A-href-1.2.7.5.1' name='A-href-1.2.7.5.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.5.1' name='A-target-1.2.7.5.1' style='display:none;'></div><div id='X-1.2.7.5.1' name='X-1.2.7.5.1' style='display:none;'>Yes</div><div id='A-1.2.7.5.2' name='A-1.2.7.5.2' style='display:none;'>No
</div><div id='A-href-1.2.7.5.2' name='A-href-1.2.7.5.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.5.2' name='A-target-1.2.7.5.2' style='display:none;'></div><div id='X-1.2.7.5.2' name='X-1.2.7.5.2' style='display:none;'>No</div><div id='A-1.2.7.5.2.1' name='A-1.2.7.5.2.1' style='display:none;'>Yes
</div><div id='A-href-1.2.7.5.2.1' name='A-href-1.2.7.5.2.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.5.2.1' name='A-target-1.2.7.5.2.1' style='display:none;'></div><div id='X-1.2.7.5.2.1' name='X-1.2.7.5.2.1' style='display:none;'>Yes</div><div id='A-1.2.7.5.2.2' name='A-1.2.7.5.2.2' style='display:none;'>No
</div><div id='A-href-1.2.7.5.2.2' name='A-href-1.2.7.5.2.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.7.5.2.2' name='A-target-1.2.7.5.2.2' style='display:none;'></div><div id='X-1.2.7.5.2.2' name='X-1.2.7.5.2.2' style='display:none;'>No</div><div id='A-1.2.8' name='A-1.2.8' style='display:none;'>Standard Auto
</div><div id='A-href-1.2.8' name='A-href-1.2.8' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.8' name='A-target-1.2.8' style='display:none;'></div><div id='X-1.2.8' name='X-1.2.8' style='display:none;'>Standard Auto</div><div id='A-1.2.8.1' name='A-1.2.8.1' style='display:none;'>Yes
</div><div id='A-href-1.2.8.1' name='A-href-1.2.8.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.8.1' name='A-target-1.2.8.1' style='display:none;'></div><div id='X-1.2.8.1' name='X-1.2.8.1' style='display:none;'>Yes</div><div id='A-1.2.8.2' name='A-1.2.8.2' style='display:none;'>No
</div><div id='A-href-1.2.8.2' name='A-href-1.2.8.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.8.2' name='A-target-1.2.8.2' style='display:none;'></div><div id='X-1.2.8.2' name='X-1.2.8.2' style='display:none;'>No</div><div id='A-1.2.8.2.1' name='A-1.2.8.2.1' style='display:none;'>Yes
</div><div id='A-href-1.2.8.2.1' name='A-href-1.2.8.2.1' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.8.2.1' name='A-target-1.2.8.2.1' style='display:none;'></div><div id='X-1.2.8.2.1' name='X-1.2.8.2.1' style='display:none;'>Yes</div><div id='A-1.2.8.2.2' name='A-1.2.8.2.2' style='display:none;'>No
</div><div id='A-href-1.2.8.2.2' name='A-href-1.2.8.2.2' style='display:none;'>javascript:void('');</div><div id='A-target-1.2.8.2.2' name='A-target-1.2.8.2.2' style='display:none;'></div><div id='X-1.2.8.2.2' name='X-1.2.8.2.2' style='display:none;'>No</div><div id='A-1.3' name='A-1.3' style='display:none;'> Motorcycle
</div><div id='A-href-1.3' name='A-href-1.3' style='display:none;'>javascript:void('');</div><div id='A-target-1.3' name='A-target-1.3' style='display:none;'></div><div id='X-1.3' name='X-1.3' style='display:none;'>Motorcycle</div>
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