You can select from six PIP coverage options based on your specific needs and what you can afford. Seniors also have the option of allowing Medicare to cover the health care expense from an auto accident. If you have Medicare or qualified health coverage, you may opt out of PIP medical benefits. The six options are:

Unlimited PIP benefit
$500,000 PIP benefit
$250,000 PIP benefit
$250,000 PIP benefit with excluded person(s) with Qualified Health Coverage*
$50,000 PIP benefit (must be enrolled in Medicaid)*
Medicare Opt-out (must be enrolled in Medicare Part A&B)*

*Eligibility based upon the type of health coverage that you, your spouse and all resident relatives have.