Does PIP coverage vary depending on your car insurance carrier?

Will I have the same PIP benefits and coverages or does it change with every carrier? I live in New Jersey and I'm thinking of switching car insurance carriers.

Answer provided by
Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Since PIP coverage is part of New Jersey’s minimum coverage car insurance required, most carriers offer the same benefits. The biggest difference may be the coverage limits they offer.
Car insurance carriers are required to offer at least $15,000 and up to $250,000 in personal injury protection. While not required, some carriers do offer higher limits than $250,000.
If you’re looking to switch car insurance carriers, you shouldn’t have an issue matching your current PIP benefits in a new policy.”

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