PERSONAL INJURY PROTECTION (PIP): Covers medical expenses, including funeral expenses, for you and your passengers who sustain bodily injury and the loss of income of an injured income producer, up to $2,500 per person. The purpose of the provision for PIP is to assure financial compensation to victims of motor vehicle accidents without regard to the fault of the named insured or other persons entitled to PIP benefits. Personal Injury Protection can be waived at a reduction in premium but such a waiver does not apply to a relative under the age of 16 while residing in your household.
So if the Frosts had the minimum mandated coverage, they would have only received $2,500 per injured family member. If their car/truck is new, the lien-holder might require other levels of coverage.
$2,500 per person? I’ve carried $100,000 per person for years. That might not have been enough to pay for everything following that collision, but it would have been better than $2,500 each.
It’s another peg that indicates Mr. Frost doesn’t consider insurance as a priority item. Insurance is always a bet. You’re betting that your choice - no insurance, minimum insurance, adequate insurance - is going to be the correct balance of cost vs coverage. Mr. Frost seems to tend to make choices that give him lower cost, betting that he won’t have a loss that the insurance won’t cover.
IMO, I should not be forced to pay for Mr. Frost’s losing bets.