The answer to this depends on the type of vehicle you drive, your driving history, and how much you drive. Medical treatment costs are usually the largest cost category for car accidents, so you may choose to increase your PIP minimums to cover higher medical treatment expenses if you are ever involved in an accident that leads to bodily injury to you or others. You can also purchase rideshare coverage, passenger coverage, collision coverage, and/or comprehensive coverage to cover you in different accident scenarios.