Should I have unlimited PIP coverage

There is no difference in benefits between PIP with a policy limit or unlimited PIP. Unlimited PIP is simply eliminating any out pocket costs if you're injured in an accident.

Do I need unlimited PIP in Michigan?

Under the new law, no one has to purchase unlimited PIP medical on their auto policy, though Michigan remains the only state where that is still an option.

What's the difference between PIP and full coverage?

The key difference between PIP coverage and liability coverage is who the policy covers. PIP applies to your medical expenses arising from a car accident, no matter who's at fault. Liability coverage covers someone else when you cause an accident that injures them or damages their property.

What level of PIP do I need?

We suggest that anyone buying an auto policy should try to secure $10,000 of PIP coverage. This way you know you will at least have the first $10,000 of your medical bills (and possibly lost wages) covered with no questions asked.

How much PIP coverage do I need in NJ?

The minimum amount of PIP coverage required in New Jersey is $15,000, but you can purchase up to $250,000. If you have lower limits and suffer a severe brain or spinal injury, your limits may automatically jump up to $250,000 until you are stabilized.