1、Basic automobile insurance policy means an automobile insurance policy pursuant to 39:6A-3.1.c. Economic loss means uncompensated loss of income or property, or other uncompensated expenses, including, but not limited to, medical expenses.d. Essential services means those services performed not for
2、income which are ordinarily performed by an individual for the care and maintenance of such individuals family or family household.e. Health care provider or provider means persons licensed or certified to perform health care treatment or services compensable as medical expenses and shall include: （
3、1） a hospital or health care facility maintained by a state or any of its political subdivisions, （2） a hospital or health care facility licensed by the Department of Health and Senior Services, （3） other hospitals or health care facilities designated by the Department of Health and Senior Services
4、to provide health care services, or other facilities, including facilities for radiology and diagnostic testing, freestanding emergency clinics or offices, and private treatment centers, （4） a nonprofit voluntary visiting nurse organization providing health care services other than in a hospital, （5
5、） hospitals or other health care facilities or treatment centers located in other states or nations, （6） physicians licensed to practice medicine and surgery, （7） licensed chiropractors, （8） licensed dentists, （9） licensed optometrists, （10） licensed pharmacists, （11） licensed podiatrists, （12） regi
6、stered bio-analytical laboratories, （13） licensed psychologists, （14） licensed physical therapists, （16） certified nurse-midwives, （17） certified nurse-practitioners/clinical nurse-specialists, （18） licensed health maintenance organizations, （19） licensed orthotists and prosthetists, （20） licensed p
7、rofessional nurses, and （21） providers of other health care services or supplies, including durable medical goods.f. Hospital expenses means the cost of treatment and services, as provided in the policy approved by the commissioner, by a licensed and accredited acute care facility which engages prim
8、arily in providing diagnosis, treatment and care of sick and injured persons on an inpatient or outpatient basis; the cost of covered treatment and services provided by an extended care facility which provides room and board and skilled nursing care 24 hours a day and which is recognized by the admi
9、nistrators of the federal Medicare program as an extended care facility; and the cost of covered services at an ambulatory surgical facility supervised by a physician licensed in this State or in another jurisdiction and recognized by the Commissioner of Health and Senior Services, or any other faci
10、lity licensed, certified or recognized by the Commissioner of Health and Senior Services or the Commissioner of Human Services or a nationally recognized system such as the Commission on Accreditation of Rehabilitation Facilities, or by another jurisdiction in which it is located. g. Income means sa
11、lary, wages, tips, commissions, fees and other earnings derived from work or employment.h. Income producer means a person who, at the time of the accident causing personal injury or death, had an occupation earning or producing income. i. Medical expenses means reasonable and necessary expenses for
12、treatment or services as provided by the policy, including medical, surgical, rehabilitative and diagnostic services and hospital expenses, provided by a health care provider licensed or certified by the State or by another state or nation, and reasonable and necessary expenses for ambulance service
13、s or other transportation, medication and other services as may be provided for, and subject to such limitations as provided for, in the policy, as approved by the Commissioner. also include any nonmedical remedial treatment rendered in accordance with a recognized religious method of healing.j. Med
14、ically necessary means that the treatment is consistent with the symptoms or diagnosis, and treatment of the injury:（1） is not primarily for the convenience of the injured person or provider,（2） is the most appropriate standard or level of service which is in accordance with standards of good practi
15、ce and standard professional treatment protocols, as such protocols may be recognized or designated by the Commissioner of Banking and Insurance, in consultation with the Commissioner of Health and Senior Services or with a professional licensing or certifying board in the Division of Consumer Affai
16、rs in the Department of Law and Public Safety, or by a nationally recognized professional organization, and （3） does not involve unnecessary diagnostic testing.k. Motor vehicle means a motor vehicle as defined in 39:1-1, exclusive of an automobile as defined in subsection （a）.l. Named insured means
17、the person（s） identified as the insured in the policy and, if an individual, the individuals spouse, if the spouse is named as a resident of the same household. If the spouse ceases to be a resident of the household of the named insured, coverage shall be extended to the spouse for the full term of
18、any policy period in effect at the time of the cessation of residency. m. Noneconomic loss means pain, suffering and inconvenience.n. Pedestrian means a person who is not occupying, entering into, or alighting from a vehicle propelled by other than muscular power and designed primarily for use on hi
19、ghways, rails and tracks.o. Standard automobile insurance policy means an automobile insurance policy with at least the coverage required pursuant to 39:6A-3 and 39:6A-4.Source: 39:6A-2. COMMENTThis section is substantially identical to the original, but the defined terms have been listed in alphabe
20、tical order. I-2. Compulsory insurance coverage limitsa. Except as provided by 39:6A-3.1, every owner of an automobile registered or principally garaged in this State shall maintain automobile liability insurance coverage, under provisions approved by the Commissioner of Banking and Insurance, insur
21、ing against loss resulting from liability imposed by law for bodily injury, death and property damage sustained by any person arising out of the ownership, maintenance, operation or use of an automobile. Such coverage shall be at least in an amount or limit:（1） Of $15,000, exclusive of interest and
22、costs, on account of injury to, or death of, one person, in any one accident; （2） Subject to such limit for any one person so injured or killed, of $30,000, exclusive of interest and costs, on account of injury to or death of, more than one person, in any one accident; and（3） Of $5,000, exclusive of
23、 interest and costs, for damage to property in any one accident. b. All automobile insurance policies issued or renewed shall include at least the coverage required pursuant to 39:6A-4 unless the named insured elects a basic automobile insurance policy pursuant to 39:6A-3.1 or a special automobile i
24、nsurance policy pursuant to 39:6A-3.3. Election of a basic or special automobile insurance policy shall be in writing and signed by the named insured on the coverage selection form required by 39:6A-23. The coverage selection form shall contain a statement, clearly readable and in 12-point bold type
25、, in a form approved by the Commissioner, that:（1） Election of a basic automobile insurance policy will result in less coverage than the $250,000 medical expense benefits coverage mandated prior to 39:6A-1.1 et al. or that election of a special automobile insurance policy will result in coverage onl
26、y for emergency care; and （2） Election of a special automobile insurance policy, or a basic automobile insurance policy without the optional $10,000 liability coverage provided for in 39:6A-3.1 may subject the named insured to a claim or judgment for noneconomic loss which is not covered by the insu
27、rance policy, and which may place the insureds assets at risk, and in the event the insured is sued, the insurer shall not provide legal counsel.c. The insurance coverage provided for in 39:6A-3.1 shall be offered by every insurer which writes insurance coverage pursuant to 39:6A-4 for a period of f
28、ive years beginning May 19, 1998. The Commissioner shall require every company writing such insurance coverage to report annually during that five-year period as to the number of policies written pursuant to this subsection in the previous year, the number of policies with the coverage offered pursu
29、ant to 39:6A-4 converted to policies with the coverage offered pursuant to 39:6A-3.1 and any other information the Commissioner may require including the age of the policyholders and the territories in which the policyholders reside. The Commissioner shall report to the Governor and the Legislature regarding the acceptance of the basic automobile insurance policy by the automobile insurance consumers of this State annually for the first four years the basic policy is sold. On or bef
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