Note that this case is particularly counter-intuitive since the statute refers to "vans" in category 2. 1992): Minivan used as a car dealership's demonstration vehicle is a private passenger vehicle required to carry PIP. 327, 335, 840 A.2d 231 (2004): Police cruiser a "private passenger vehicle" and an "automobile." Officer's own PIP coverage was required to provide PIP coverage for the accident. Here are some cases that clarify this distinction: Obviously, it will be important to determine whether a vehicle is a "private passenger automobile of a private passenger or station wagon type" (category #1, in which case it requires PIP unless it is a taxi or the like) or a "motor vehicle with a pickup body, a delivery sedan, a van, or a panel truck or a camper type vehicle" (category #2, in which case it only requires PIP if it is not customarily used in business). On the other hand, whether a vehicle used for a rideshare service such as Uber or Lyft is treated like an automobiel or a livery is dependent on how the vehicle is being used at the time of the accident. Note that in determining whether a private passenger vehicle is a livery or rented with a driver, we look at the general use of the vehicle, not its specific use at the time of the accident. ![]() This example makes it clear that speaking of a "commercial vehicle exception" is a gross over-simplification. On the other hand, if a pickup truck were used for delivering pizzas, it would be a "a motor vehicle with a pickup body" (category #2) and would not qualify for the definition of "automobile" because it is "customarily used in the occupation, profession or business of the insured." The pizza delivery pickup truck would not require PIP, and would be subject to recovery of PIP. Since the vehicle was not being used as a taxi or the like, it would qualify as an "automobile," even though it is used commercially. This would be a "private passenger automobile of a private passenger or station wagon type" and therefore fall under category #1. 327, 335, 840 A.2d 231 (2004), the New Jersey Supreme Court noted that the definition of "automobile", "focuses first on the type of vehicle and then examines its use." Take, for instance, a sedan used exclusively for delivering pizzas. only if they are used for recreational purposes and owned by an individual or husband an wife and are not customarily used for the insured's business (other than farm work). Pickup trucks, vans (which means large vans used for cargo or large numbers of people and therefore typically used by business rather than families), etc.Private passenger automobiles (this includes minivans and SUVs, see below) as long as they are not used as a taxi or rented with a driver. ![]() Under this statute, two types of vehicles are "automobiles" required to have PIP (three if you include farm vehicles): An automobile owned by a farm family copartnership or corporation, which is principally garaged on a farm or ranch and otherwise meets the definitions contained in this section, shall be considered a private passenger automobile owned by two or more relatives resident in the same household. "Automobile" means a private passenger automobile of a private passenger or station wagon type that is owned or hired and is neither used as a public or livery conveyance for passengers nor rented to others with a driver and a motor vehicle with a pickup body, a delivery sedan, a van, or a panel truck or a camper type vehicle used for recreational purposes owned by an individual or by husband and wife who are residents of the same household, not customarily used in the occupation, profession or business of the insured other than farming or ranching. The term "automobile" is defined in N.J.S.A. ![]() 39:6A-3.2 requires that all automobile insurance policies include the covereages required by N.J.S.A.
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