Ingersoll v. Aetna Casualty & Surety Co.

The New Jersey Automobile Reparation Reform Act, N.J.S.A. 39:6A-1 to -35 (No-Fault Law), contains what is commonly known as an anti-stacking provision, N.J.S.A 39:6A-4.2 (section 4.2). That statute prohibits recovery of personal-injury-protection (PIP) benefits under more than one automobile-insurance policy for injuries sustained in any one accident. The question posed by this appeal is whether that statutory prohibition against “stacking” is limited to basic PIP benefits or whether it forecloses as well recovery of extended medical-expense benefits under two policies when the “stacking”…