New Jersey drivers can and do select more coverage than drivers in other states. For example, Pennsylvania has medical coverage options of $5,000 or $10,000, while New Jersey drivers select $250,000 of medical coverage. In addition, New Jersey drivers typically select the following options:
$300,000 liability
$250,000 medical expense limit (PIP)
$300,000 in uninsured/underinsured coverage
$500 physical damage (comprehensive and collision) deductible
Savings in this program are calculated against these typical choices.