New Jersey No Fault

Training Manual Table of Contents
Section One: History of No Fault
Objective 1
Introduction 1
History 2
Exhibit 1.1--The Fault System 3
Exhibit 1.2--The No Fault System 4
Tort Thresholds 7
Section Summary  9
Workshop 1.1--The Foundations of No Fault  10
Section Two: The New Jersey No Fault Law
Objective 11
Introduction 11
New Jersey Statutes Annotated--Title 39--Chapter 6A 12
Workshop 2.1--The New Jersey No Fault Law 54
Evolution of the New Jersey No Fault Law  56
Section Three: Principal Personal Injury Protection
Objective  57
Introduction 57
Principal Personal Injury Protection Coverage 58
Exclusions  58
Workshop 3.1--Principal Personal Injury Protection Coverage 59

Section Four: PIP Benefits Calculation
Objective 61
Income Continuation Benefits 61
Workshop 4.1--Lost Wage Calculation Rules 62
Seven Steps to Calculate Lost Wages 63
Sample Problems 65
Sample Problem Answers 66
Coverage Options Chart 70
Disability and Workers Compensation Offsets 71
Workshop 4.2--Income Continuation Workshop #1 73
Workshop 4.3--Income Continuation Workshop #2 75
Workshop 4.4--New Jersey PIP Self Employment Income Continuation Workshop 77
Medical Benefits Calculation 84
Essential Services  84
Death Benefits  85

Section Five: Extended Medical Expense Benefits Coverage and Pedestrian PIP Coverage
Objective 87
Introduction 87
Extended Medical Expense Benefits 88
Workshop 5.1--Extended Medical Expense Benefits Coverage  89
Pedestrian PIP Coverage 91
Section Summary  91
Appendix 93
PIP Forms   94
PIP Endorsement - Standard PIP 99
PIP Endorsement - Basic PIP 114