Marvin Mandel, Governor                         305

than $5,000, as may be provided in the policy; provided, however,

that if any such property is damaged or destroyed as the result of an
accident involving more than one motor vehicle, the insurers of each

motor vehicle involved in the accident shall divide the losses for
f

which they are liable under this subsection (b) among themselves

equally.

540. 539. Basic Required Primary Coverage—Economic Loss

No policy of motor vehicle liability insurance shall be issued, sold
or delivered in this State after; January 1, 1973, unless the policy, in

addition to the coverage required under Section 539 of this article,

also affords the minimum medical, hospital and disability benefits
set forth herein; OR UNLESS EQUIVALENT MEDICAL, HOS-
PITAL, AND DISABILITY BENEFITS ARE PROVIDED BY
A POLICY ISSUED TO THE INSURED BY A NON-PROFIT
HEALTH SERVICE PLAN OR BY AN AUTHORIZED IN-
SURER WITH THE POLICY IN EACH CASE SUBJECT TO
APPROVAL BY THE COMMISSIONER. The said benefits,
OR THEIR EQUIVALENT, shall cover the named insured
and members of his family residing in his household (except such
persons as may be specifically excluded in accordance with Section
240C 240C-1 of this article) injured in any motor vehicle accident (in-
cluding an accident involving an uninsured motor vehicle or a motor
vehicle whose identity cannot be ascertained), other persons injured
while occupying the insured motor vehicle as a guest or passenger, or
while using it with the express or implied permission of the named
insured (except as provided in Section 240C 240C-1 of this article),
and pedestrians injured in an accident in which the insured motor
vehicle is involved. The minimum medical, hospital and disability
benefits shall be as follows:

(a) Payment of all reasonable expenses arising from the accident

and incurred within one year from the date thereof for necessary

medical, surgical, x-ray and dental services, including prosthetic de-
vices, and necessary ambulance, hospital, professional nursing and

funeral services, up to a maximum limit of $2,000 per person. Hos-

pital room and board benefits may be limited to the regular daily

semi-private room rates customarily charged by the institution in

which the recipient of benefits is confined.

(b) In the case of an income producer, payment of benefits equal

to 85% of loss of income as the result of the accident, up to a maxi-
mum limit of $1,000. The insurer providing such. INCLUDE UP TO

AN AMOUNT OF $2,500, FOR PAYMENT OF ALL REASON-
ABLE EXPENSES ARISING FROM THE ACCIDENT AND
INCURRED WITHIN THREE YEARS FROM THE DATE
THEREOF FOR NECESSARY MEDICAL, SURGICAL, X-RAY
AND DENTAL SERVICES, INCLUDING PROSTHETIC DE-
VICES, AND NECESSARY AMBULANCE, HOSPITAL, PRO-
FESSIONAL NURSING AND FUNERAL SERVICES; AND IN
THE CASE OF AN INCOME PRODUCER, PAYMENT OF BENE-
FITS FOR LOSS OF INCOME AS THE RESULT OF THE ACCI-
DENT.; AND WHERE THE PERSON INJURED IN THE ACCI-
DENT WAS NOT AN INCOME OR WAGE PRODUCER AT THE
TIME OF THE ACCIDENT, PAYMENTS OF BENEFITS MUST
BE MADE IN REIMBURSEMENT OF NECESSARY AND REA-
SONABLE EXPENSES INCURRED FOR ESSENTIAL SERV-