Med Pay & NJ PIP
for Commercial.

What no-fault means for your trucks

New Jersey is a no-fault state. After an accident, each party’s own policy pays their initial medical costs through Personal Injury Protection (PIP) — before anyone argues about fault. PIP applies to NJ-registered commercial vehicles, not just family cars, and it’s required by state law.

PIP can cover medical expenses, a portion of lost wages, essential services, and in tragic cases death benefits — for the driver and occupants of your covered vehicle, regardless of who was at fault.

How commercial PIP is different

The personal auto PIP most owners know (with its menu of limit and tier options under NJ’s personal auto reforms) is not identical to how PIP attaches on a commercial policy. Commercial auto PIP is structured for vehicles used in business, and the named insured is typically the business entity, not an individual household.

That distinction matters for who counts as an insured: employees, occasional drivers, and occupants are treated under the commercial policy’s definitions, which is exactly why putting a business-use vehicle on a personal policy creates claim denials. We make sure the PIP on your commercial policy actually names and covers the people who drive your vehicles.

Medical Payments — the supplement

Medical Payments (Med Pay) is a smaller, supplemental coverage that pays medical and sometimes funeral expenses for occupants of your vehicle, regardless of fault. In NJ it generally layers around PIP rather than replacing it — useful for filling deductible/co-pay gaps and for passengers who may not have their own PIP.

For commercial operations that regularly carry non-employee passengers, Med Pay is an inexpensive way to make sure everyone in the vehicle has first-dollar medical coverage.

The PIP / workers’ comp coordination trap

When the injured person is your employee hurt in a work vehicle on the job, two systems can apply: auto PIP and workers’ compensation. In New Jersey, the coordination rules determine which pays first — and a mismatch creates delays, denials, or gaps that land on the business.

PIP cost on NJ commercial auto

PIP isn’t usually quoted as a standalone line — it’s a required, built-in component of your NJ commercial auto premium. The cost moves with your chosen medical limit, vehicle use, and driver profile. Raising PIP limits above the standard option is inexpensive relative to the protection, and we’ll show you the difference so you can decide.