Chapter 23 - Exhibits

EXHIBIT #1
REQUIRED OPTIONAL ADDITIONAL COVERAGES

Personal Injury Protection (PIP)

Benefits Limits

Collision Deductibles

(per person) $ 50

$10,000 (basic)

$ 100
Insurers may offer higher limits $ 250
$ 500

PIP Deductibles

$ 1,000
$ 100 $ 1,500
$ 300 $ 2,000
$ 500
$ 1,000

Property Damage Liability Limits

Comprehensive Deductibles

(per accident) $ 50

$ 10,000 (basic)

$ 100
$ 15,000 $ 250
$ 20,000 $ 500
$ 30,000 $ 1,000
$ 50,000 * $ 1,500
$ 2,000

Bodily Injury Liability Limits

Death Benefits **

(per person/per accident) $ 25,000

$ 20,000/40,000 (basic)

$ 50,000
$ 50,000/100,000 $ 75,000
$ 100,000/300,000 $ 100,000
$ 300,000/300,000 *

Funeral Expenses **

$2,000

Uninsured Motorist Limits

non-stacked and stacked

Wage Loss Benefits **

(per person/per accident) (maximum per month/per accident per person)

$ 20,000/40,000 (basic offer)

$ 500/3,000
$ 50,000/100,000 $ 1,000/6,000
$ 100,000/300,000 $ 1,500/9,000
$ 300,000/300,000 * $ 2,000/12,000

Underinsured Motorist Limits non-stacked and stacked

Alternative Provider Services Limits **

(per person/per accident) maximum: $75 per visit

$ 20,000/40,000 (basic offer)

maximum: 30 visits
$ 50,000/100,000
$ 100,000/300,000
$ 300,000/300,000 *

* where required by law

** not applicable to commercial policy

EXHIBIT #2
OPTIONAL CONDITIONS & LIMITATIONS

PIP Benefits Limits

Additional Chiropractic

(aggregate per person) Maximum: $75 per visit
$ 20,000 Maximum: 30 visits
$ 30,000
$ 50,000

PIP Co-Payments

Preferred Repair Provider

10% No less than two
20%
30%

PIP through Managed Care

Health Maintenance Organization; or Preferred Provider Organization

Managed Care Deductibles

$ 100

$ 300
$ 500
$ 1,000

Managed Care Co-Payments

10%
20%
30%
Or no more than $10.00

The following state regulations pages link to this page.