Personal Injury Protection (PIP) Coverage: PIP provides coverage for medical bills for you and your passengers in the event of an accident, regardless of who is at fault. This coverage is available in specific PIP states.
Uninsured Motorist (UM) Coverage: UM offers coverage for your medical and other expenses after your PIP limits have been met. It applies when the driver responsible for the accident does not have any insurance. Your coverage limit represents the maximum amount your insurance company will reimburse.
Underinsured Motorist (UIM) Coverage: UIM comes into play when the driver responsible for the accident has liability limits that are not high enough to adequately cover the damages from the loss.
It's important to remember that the limits associated with these coverages cannot be changed, as they align with specific state minimums