 |
New Jersey Auto Insurance Buyer's Guide |
|
| POLICY OPTIONS CHART |
 |
|
COVERAGE
|
Options That
Cost Less |
What Most
Drivers Choose |
Options That
Cost More |
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|
LIABILITY – Bodily Injury and Property Damage
|
|
$35,000 (NJRe
only); $100,000 |
$300,000 | |
$500,000 | ||||||||
| PERSONAL INJURY PROTECTION (PIP) | |||||||||||||
|
Medical Expense Limit
|
$15,000;
$50,000; $75,000; $150,000 |
$250,000
|
$1 million
(NJM only) |
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|
Medical Deductible
|
$500; $1,000;
$2,000; $2,500 |
$250
|
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|
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|
Extra PIP Options:
Income Continuation, Essential Services, Death Benefit and Funeral Expense Benefit |
You can decline
the Extra PIP Package |
Most consumers
choose the Extra PIP Package |
Packages may
be available in higher amounts |
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|
Health Insurer for
PIP Option |
Choose your
own health insurer |
Most consumers do
not choose their own health insurer |
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|
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|
UNINSURED/
UNDERINSURED MOTORIST COVERAGE |
$35,000; $100,000 |
$300,000 | $500,000 | ||||||||||
|
COLLISION
COVERAGE DEDUCTIBLE |
$750; $1,000; $1,500; $2,000 |
$500 | $100; $150; $200; $250 |
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| COMPREHENSIVE COVERAGE DEDUCTIBLE |
$750; $1,000; $1,500; $2,000 |
$500 | $50; $100; $150; $200 |
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| LAWSUIT OPTION |
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|
Limitation on Lawsuit Option |
No Limit on Lawsuit Option |
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