To determine whether unlimited PIP is beneficial to you, you’ll want to look at the benefits that your health insurance provides. If your health insurance provides the same benefits that PIP does, you likely can reduce your coverage to a lower amount.
If PIP covers more than what your health insurance does, it may be worth the extra cost to ensure your medical expenses would be covered if you’re injured in an accident. If unlimited PIP is too expensive, you should consider carrying the highest amount of coverage you can afford.”