Question 49

Jacqueline's sister who also has PIP is not covered under her Personal Injury Protection.

Personal Injury Protection (PIP) typically does not cover individuals who have their own PIP insurance for bodily injuries. Therefore, Jacqueline's sister, who also possesses PIP, would not be eligible for coverage under Jacqueline's policy.

A) Jacqueline's sister who also has PIP.

This option is correct because PIP insurance is designed to cover the policyholder and certain dependents, but it generally excludes individuals who have their own PIP coverage. Since Jacqueline's sister has her own PIP, she cannot claim benefits under Jacqueline's policy.

B) Jacqueline.

This option is incorrect as Jacqueline would be covered under her own Personal Injury Protection policy. PIP is meant to provide coverage for the policyholder’s bodily injuries, ensuring that Jacqueline receives the necessary benefits for her medical expenses.

C) Jacqueline's husband.

This option is incorrect because spouses are typically covered under PIP policies. Jacqueline's husband would be eligible for benefits in the event of bodily injuries sustained in an accident, making this option valid under her coverage.

D) Jacqueline's cousin who lives with her.

This option is incorrect, as many PIP policies extend coverage to relatives who reside with the policyholder. Therefore, Jacqueline's cousin would likely be covered under her Personal Injury Protection for bodily injuries.

Conclusion

Jacqueline's sister is definitively not covered under her Personal Injury Protection due to her own existing PIP coverage, which disqualifies her from claiming benefits under Jacqueline's policy. In contrast, Jacqueline herself, her husband, and her cousin are all eligible for coverage, highlighting the specific exclusions related to individuals with their own PIP insurance.