Which of the following vehicles is excluded from PIP coverage?

PIP, or Personal Injury Protection, is a component of auto insurance that covers medical expenses and, in some cases, lost wages for the policyholder and their passengers, regardless of fault in an accident. In New Jersey, certain vehicle types are classically excluded from PIP coverage based on the specific laws and regulations governing auto insurance in the state.

Taxis are indeed excluded from PIP coverage because they are considered commercial vehicles rather than personal vehicles. PIP is designed to cover personal use vehicles in accidents, while taxis operate as public transportation, where other insurance rules and regulations apply.

In contrast, motorcycles are excluded from PIP because they are generally covered under different types of insurance policies, and private-passenger vehicles are typically included in PIP coverage. Rented vehicles may also be covered but usually depend on the terms of the rental agreement and the personal insurance policy of the renter. Thus, taxis being commercial in nature makes them the correct answer regarding vehicles excluded from PIP coverage.