Should I increase my PIP insurance limit?
I have minimum coverage in my state for PIP. Should I increase this coverage? I also have UMBI coverage.
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Answered on May 13, 2021
“Your personal injury protection (PIP) coverage pays for your medical bills and other expenses related to injuries after an accident, regardless of fault.
If you have the option of increasing this coverage limit in your state, you should consider doing so. Minimum coverage limits are usually insufficient, especially considering the rising costs associated with health care.
Uninsured motorist bodily injury (UMBI) would only apply when you are not at fault and when the other driver is uninsured, or in some cases underinsured. This coverage alone is not a substitute for increased PIP coverage because it does not apply except in certain situations. “
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