Which individuals are typically not covered under PIP insurance?

In the context of Personal Injury Protection (PIP) insurance, non-relatives who occasionally use the vehicle are typically not covered. PIP insurance is designed to provide coverage for the insured and specific family members residing in the same household. It primarily focuses on those individuals who have a strong, consistent relationship with the auto owner, particularly in terms of regular use of the vehicle.

Sponsored drivers with proper documentation, individuals under a commercial vehicle policy, and residents visiting from other states can have different circumstances that might afford them some level of coverage under specific conditions. For instance, sponsored drivers can be covered if they meet certain requirements outlined in the policy, while individuals under a commercial vehicle policy may have alternate forms of insurance that can cover them for incidents. Residents visiting from other states may also have some form of reciprocal coverage depending on their home state's laws.

On the other hand, non-relatives are more likely to be excluded from coverage because they do not have the same legal or familial ties to the insured individual or vehicle. Coverage is often limited to those who are directly related or who have a regular and established usage of the vehicle, thus excluding individuals who only occasionally use it. This limitation helps insurance companies manage risk and liability associated with individuals who are not part of