: His Personal Injury Protection (PIP) kicked in immediately, but he had to choose between a "Standard" policy (with more coverage) or a "Basic" policy (which might not cover as much if he were seriously injured).
: Even though the accident wasn't his fault, he worried his rates might still tick up. Insurers sometimes raise premiums after any claim because it changes a driver's "risk profile". Finding the Silver Lining nj auto insurance
Determined not to be "gouged," Marco did some homework. He used resources from the NJ Department of Banking and Insurance to learn how to lower his costs by increasing his deductible. He also shopped around, finding that companies like Geico and Selective Insurance often offered the most competitive rates for his profile in April 2026. : His Personal Injury Protection (PIP) kicked in
