TRENTON, N.J. - New Jersey does not discriminate against risk retention groups by barring their participation in New Jersey Property-Liability Insurance Guaranty Association's (PLIGA) program for payment of pedestrian personal injury protection (PIP) benefits, a New Jersey appeals panel affirmed July 18 (American International Insurance Company of Delaware v. 4M Interprise Inc., et al., No. A-3490-11T2, N.J. Super., App. Div.; 2013 N.J. Super. LEXIS 110).