Insurance — Personal injury protection — Coverage — Medical expenses — Overdue claim — PIP benefits were overdue, requiring payment of interest, where benefits were not paid within 30 days of receipt of bill for services — Insurer cannot extend 30-day period for paying PIP benefits by requiring that claims be submitted on specified in-house claims forms — Demand letter sent after insurer failed to pay claim within 30 days of receipt of bill was not premature — Accordingly, insurer was also required to pay overdue interest, penalty, and postage — Insurer’s motion for summary judgment based on accord and satisfaction raises genuine issue of material fact which must be submitted to jury.