For the STANDARD POLICY, you must make a choice about the rights you will have if you are injured in an automobile accident. The choice you make affects how much your insurance will cost and what claims you can make in the event of an accident.. The choice you make applies to you, your spouse, children and other relatives living with you who are not covered under another automobile insurance policy.

Important: These options only cover lawsuits for "pain and suffering" or non-economic losses. Your medical expenses and some economic losses for injuries in auto accidents will be paid up to the limits of your PIP coverage and are not affected by the choice you make here.