diff --git a/src/layouts/payment-method/payment-method.spec.js b/src/layouts/payment-method/payment-method.spec.js
index ab0a0df99..16b64a58b 100644
--- a/src/layouts/payment-method/payment-method.spec.js
+++ b/src/layouts/payment-method/payment-method.spec.js
@@ -51,6 +51,14 @@ function setupMocks() {
         order: {
             payment: {
                 isPia: false,
+                insuranceCoverage: {
+                    isVerified: true,
+                },
+            },
+            policy: {
+                currentDeductible: 123,
+                isNoComp: false,
+                isItac: false,
             },
         },
         policy: {
diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index 32a6185a7..d423525ab 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -22,6 +22,7 @@
                     <hr class="my-0" />
 
                     <cart
+                        ref="cart"
                         :damage="damageInfo"
                         :availableVaps="availableVaps"
                         :allowItemRemoval="true"
@@ -46,12 +47,12 @@
                     </div>
 
                     <paymentMethodQuestion
-                        v-if="!isPiaDisabled"
+                        v-if="isPiaEnabled && totalAmountDue > 0"
                         v-model="paymentMethodInternalModel"
                         validationRules="option-required" />
 
                     <alert
-                        v-if="!isPiaDisabled"
+                        v-if="!isPiaEnabled && totalAmountDue > 0"
                         :isDismissible="false"
                         alertClass="alert-info"
                         cmsWidgetName="NoPiaDisclaimerWidget"
@@ -571,21 +572,21 @@ export default {
                     return null;
             }
         },
-        isPiaDisabled() {
+        totalAmountDue() {
+            return baseMixin.methods.getAmountDue(this.lineItems);
+        },
+        isPiaEnabled() {
             const piaExperience = this.getSettingValue(experimentSettings.PIA_EXPERIENCE);
             const piaInsurance = this.getSettingValue(experimentSettings.PIA_INSURANCE);
 
-            var isEnabled = false;
             if (this.isInsurance) {
-                isEnabled = piaInsurance === "true" && this.currentDeductible > 0;
+                return piaInsurance === "true" && this.currentDeductible > 0;
             } else {
-                isEnabled = piaExperience === "PIA Optional" || piaExperience === "PIA Required";
+                return piaExperience === "PIA Optional" || piaExperience === "PIA Required";
             }
-
-            return !isEnabled;
         },
         paymentMethod() {
-            if (this.isPiaDisabled) {
+            if (!this.isPiaEnabled) {
                 return paymentMethods.LATER;
             }