You can still buy the unlimited PIP coverage, which is what we strongly recommend. You can also choose:
- $500,000 of PIP coverage
- $250,000 of PIP coverage
- $50,000 of PIP coverage, if you’re on Medicaid
Think of the incredible cost increases in medical care we have seen over the past generation. It doesn’t take long to burn through $50,000. It really doesn’t take that long to burn through $250,000 or $500,000 if you have suffered a serious injury that requires hospitalization and follow-up care.
Also think about your family. Think about the others who are going to be in the car with you and who are covered by your policy. Whatever amount you purchase, that is the amount that’s available for everybody in the car.
So although you can lower your PIP coverage, your safest choice to protect you and your family is to continue with the unlimited care.
