S.4380

New Jersey S4380 mandates that auto insurers inform policyholders that Medicare and Medicaid cannot be primary coverage for personal injury.

New Jersey S4380 requires automobile insurers to notify policyholders that Medicare and Medicaid cannot serve as primary coverage for personal injury protection (PIP) benefits. This notice must be provided in plain language at specific times: when the option for health insurance as primary coverage is offered, between 15 and 60 days before a covered person turns 65, and annually upon policy renewal if the policyholder is 65 or older. The bill aims to ensure policyholders are aware of the limitations on using Medicare and Medicaid for PIP benefits.