All of the following are EXCLUDED by PIP coverage EXCEPT which scenario?

• A. The insured is injured after being rear ended while sitting at a red light.
• B. The insured is injured while riding in a vehicle not owned by the insured.
• C. The insured's cosmetic surgery expenses.
• D. Injuries due to war or hostilities.

Answer: (A)

Personal Injury Protection (PIP) is no-fault auto coverage that pays medical expenses, lost wages, and other related costs resulting from a vehicle crash, regardless of who is at fault, up to the policy limits. It excludes certain situations, such as injuries to a person while occupying a vehicle not owned by the insured, cosmetic surgery expenses unless medically necessary due to an accident, and injuries from war or hostilities. The scenario described—being rear-ended while sitting at a red light—fits a typical auto crash involving the insured’s own vehicle and injuries that PIP would cover, so it is not an exclusion. The other scenarios illustrate common exclusions: riding in a vehicle not owned by the insured, cosmetic surgery expenses not medically necessary from an accident, and injuries from war or hostilities.