PIP is typically sold in 3 increments. $2,500, $5,000, and $10,000 coverage. Each increment is avail to each person in the car. So if you and your spouse and your kid are in the car, and you have $2,500 of coverage, then EACH person can claim $2,500, a total of $7,500. Now for a few dollars more per year, you can get the $10,000 coverage. So in the same example, each person can claim $10,000, a total of $30,000! Yes, there is a HUGE difference. So always get the $10,000.