Coverage

Question 1

No Fault Threshold

Answer 1

P must show there has been a death, permanent & serious disfigurement, or serious impairment of a body function arising out of the operation of a motor vehicle

Question 2

Determining if P suffered serious injury

Answer 2

Question of law to be decided by the court if it finds:

• no factual dispute exists concerning the nature and extent of P’s injuries or
• any factual dispute concerning the nature and extent of P’s injuries is not material to determining whether the injury is “serious”

Question 3

FIrst Party Claim

Answer 3

Driver and his insurer claim arising out of contract

Question 4

Third Party Claim

Answer 4

Driver and the other driver based on tort

Question 5

Minimum Coverage

Answer 5

Under No-Fault Act, minimum 250k coverage per person, 500k per accident, and 10k for property damages

Question 6

Minimum Coverage for taxi/limo/uber

Answer 6

taxi- 300k
limo/uber- 1 million

Drivers of uber/lyft required to maintain 50k per person, 100k per incident and 25k for property damage

Question 7

Property Damage Coverage

Answer 7

minitort provision allows small claim up to 3k for damage not covered, more than 50% at fault is a bar

intentional harm to property
failure to secured insurance
liability for damage to lawfully parked vehicles

Damages unavailable if driven w/o insurance
SOL is 1 year

Question 8

Motorcycles

Answer 8

Not required to purchase no fault insurance
public highway- personal liability insurance
Off-road recreation- no insurance

Question 9

Parked Vehicles

Answer 9

Not compensable where the vehicle parked in such a way to cause unreasonable risk of injury, injury was a direct result of physical contact, or the injury occurred from operating, entering, alighting from vehicle