In a typical PIP auto coverage situation, what type of vehicle is NOT eligible?

In the context of Personal Injury Protection (PIP) coverage under New Jersey auto insurance, commercial vehicles are generally not eligible for PIP coverage. PIP is designed primarily to provide medical expenses, lost wages, and other related benefits for individuals injured in automobile accidents and typically applies to personal use vehicles.

The purpose of PIP coverage is to create a safety net for personal vehicles that are used for everyday transportation and personal commuting. In contrast, commercial vehicles are used for business purposes and have different insurance requirements. These vehicles typically require separate commercial auto insurance policies that cater to their specific risks and coverage needs, which do not fall under the personal vehicle classification that PIP is intended for.

As for the eligibility of personal, leased, and rental vehicles, these types of vehicles are covered under PIP policies because they are often used for personal transportation. Therefore, they can receive the benefits associated with PIP coverage if involved in an accident.