: 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

In the end, Marco managed to find a policy that balanced his budget with the protection he needed for the busy Turnpike commutes.