Until July 1, 2020, if you were walking or riding your bicycle and got hit by an automobile and were injured, you could have recovered unlimited lifetime medical benefits and nursing care; but now, thanks to the “wisdom” of our Legislature and governor, your medical bills and other No-Fault Personal Injury Protection (PIP) benefits (such as lost wages) are capped at whatever coverage amount you have chosen in your auto policy. See our discussion of those coverage options here and here, and see our video recommending you keep full PIP coverage here.
This means if you made a very low coverage choice, like $50,000, or have “opted out” of PIP coverage altogether, you will not be able to recover much in the way of No-Fault PIP benefits, or none at all. This can be devastating if your injuries cause you to miss a lot of work or to incur a lot of medical bills. And the coverage option you chose for yourself also applies to your spouse and children, who may get hit by a car while walking or biking.
Don’t you owe it to yourself and your family to keep full No-Fault PIP benefits, including lifetime medical coverage?