PLNJmedium
In addition to medical expense benefits, which of the following is a statutory PIP benefit available on a New Jersey Standard auto policy under N.J.S.A. 39:6A-4?
APain and suffering damages payable without regard to the tort threshold
BProperty damage to the insured's vehicle without a separate collision deductible
Income continuation, essential services, funeral expense, and death benefits
DUninsured motorist bodily injury benefits in lieu of UM coverage
Why this is the answer
N.J.S.A. 39:6A-4 makes the Standard Policy PIP package broader than medical expense alone. It also provides income continuation for lost wages, essential services for tasks the injured insured can no longer perform, funeral expense benefits, and death benefits, each subject to statutory caps and durations.
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