New Jersey S 1382: Authorizes municipalities to adopt ordinances requiring maintenance and repair of certain wharves, piers, docks and bulkheads.

Bill Text

S1382 

SENATE, No. 1382 

STATE OF NEW JERSEY

222nd LEGISLATURE

� 

PRE-FILED FOR INTRODUCTION IN THE 2026 SESSION

Sponsored by:

Senator JOSEPH A. LAGANA

District 38 (Bergen)

Senator JON M. BRAMNICK

District 21 (Middlesex, Morris, Somerset and Union)

SYNOPSIS

���� Revises personal injury protection coverage for basic 
automobile insurance policies from $15,000 to $20,000 and requires $50,000 
minimum personal injury protection coverage for standard automobile liability 
insurance policies.

CURRENT VERSION OF TEXT 

���� Introduced Pending Technical Review by Legislative 
Counsel.

�� 

An Act 
concerning automobile insurance policies and amending P.L.1972, c.70, P.L.1983, c.362, and P.L.1998, c.21.

���� Be It 
Enacted by the Senate and General Assembly of 
the State of New Jersey:

���� 1.��� Section 4 of P.L.1972, 
c.70 (C.39:6A-4) is amended to read as follows:

���� 4.��� Personal injury 
protection coverage, regardless of fault.

���� Except as provided by section 
45 of P.L.2003, c.89 (C.39:6A-3.3) and section 4 of P.L.1998, c.21 
(C.39:6A-3.1), every standard automobile liability insurance policy issued or 
renewed on or after the effective date of P.L.1998, c.21 (C.39:6A-1.1 et al.) shall 
contain personal injury protection benefits for the payment of benefits without 
regard to negligence, liability or fault of any kind, to the named insured and 
members of his family residing in his household who sustain bodily injury as a 
result of an accident while occupying, entering into, alighting from or using 
an automobile, or as a pedestrian, caused by an automobile or by an object 
propelled by or from an automobile, and to other persons sustaining bodily 
injury while occupying, entering into, alighting from or using the automobile 
of the named insured, with permission of the named insured.

���� "Personal injury 
protection coverage" means and includes:

���� a.��� Payment of medical 
expense benefits in accordance with a benefit plan provided in the policy and 
approved by the commissioner, for reasonable, necessary, and appropriate 
treatment and provision of services to persons sustaining bodily injury, in an 
amount [not 
to exceed] 
that is no less than $50,000 per person per accident and no more than 
$250,000 per person per accident.� In the event benefits paid by an insurer 
pursuant to this subsection are in excess of $75,000 on account of bodily 
injury to any one person in any one accident, that excess shall be paid by the 
insurer and shall be reimbursable to the insurer from the Unsatisfied Claim and 
Judgment Fund pursuant to section 2 of P.L.1977, c.310 (C.39:6-73.1).� The 
policy form, which shall be subject to the approval of the commissioner, shall 
set forth the benefits provided under the policy, including eligible medical 
treatments, diagnostic tests and services as well as such other benefits as the 
policy may provide.� The commissioner shall set forth by regulation a statement 
of the basic benefits which shall be included in the policy.� Medical 
treatments, diagnostic tests, and services provided by the policy shall be 
rendered in accordance with commonly accepted protocols and professional 
standards and practices which are commonly accepted as being beneficial for the 
treatment of the covered injury. Protocols and professional standards and 
practices and lists of valid diagnostic tests which are deemed to be commonly 
accepted pursuant to this section shall be those recognized by national 
standard setting organizations, national or state professional organizations of 
the same discipline as the treating provider, or those designated or approved 
by the commissioner in consultation with the professional licensing boards in 
the Division of Consumer Affairs in the Department of Law and Public Safety.� 
The commissioner, in consultation with the Commissioner of the Department of 
Health [and 
Senior Services] 
and the applicable licensing boards, may reject the use of protocols, standards 
and practices or lists of diagnostic tests set by any organization deemed not 
to have standing or general recognition by the provider community or the 
applicable licensing boards. Protocols shall be deemed to establish guidelines 
as to standard appropriate treatment and diagnostic tests for injuries 
sustained in automobile accidents, but the establishment of standard treatment 
protocols or protocols for the administration of diagnostic tests shall not be 
interpreted in such a manner as to preclude variance from the standard when 
warranted by reason of medical necessity.� The policy form may provide for the 
precertification of certain procedures, treatments, diagnostic tests, or other 
services or for the purchase of durable medical goods, as approved by the commissioner, 
provided that the requirement for precertification shall not be unreasonable, 
and no precertification requirement shall apply within [ten] 10 days of the insured event.� The 
policy may provide tha