If you are involved in a car accident, the insurance will typically cover the repairs for your vehicle, the medical bills, and the settlement for pain and suffering. On your insurance policy, we always recommend that in Pennsylvania, you select a full tort option as well as uninsured and underinsured motorist protection. In New Jersey policy, we recommend that you select a zero threshold option and also uninsured and underinsured motorist protection. There are other provisions of your insurance policy that you can select to further protect yourself and your family.