Rationale
Jacqueline's sister who also has PIP would not be covered for bodily injuries.
Personal Injury Protection (PIP) generally covers the insured individual and passengers in their vehicle but does not extend coverage to individuals who have their own PIP insurance, such as Jacqueline's sister. This is because PIP is designed to prevent duplicate claims for the same incident among those who have their own coverage.
A) Jacqueline's sister who also has PIP
PIP coverage is intended for individuals who do not have their own PIP insurance. Since Jacqueline's sister is also covered by her own PIP, she would not be eligible for benefits under Jacqueline's policy in the event of an accident, making this choice the correct answer for what would not be covered.
B) Jacqueline
Jacqueline herself is the primary insured under her PIP policy and would be covered for bodily injuries resulting from an accident. PIP is designed to provide coverage to the policyholder, ensuring that they receive medical benefits regardless of fault.
C) Jacqueline's husband
As a household member, Jacqueline's husband would also be covered under her PIP policy for bodily injuries sustained in an accident. PIP covers family members residing in the same household, which includes spouses, provided they are in the vehicle at the time of the accident.
D) Jacqueline's cousin who lives with her
Jacqueline's cousin, as a member of her household, would be covered under her PIP policy for bodily injuries. Similar to her husband, household members are typically included in PIP coverage, ensuring they receive necessary medical benefits.
Conclusion
In summary, while Jacqueline, her husband, and her cousin are all eligible for coverage under her Personal Injury Protection policy, Jacqueline's sister, who has her own PIP, would not be covered in the event of an accident. This distinction is crucial in understanding the limitations and scope of PIP coverage, particularly regarding household members with their own insurance.
