If you carry the minimum PIP insurance coverage, those benefits may not cover all of your costs to diagnose, treat, and heal from your injuries. If you have a lengthy hospital stay, that cost alone may eat up the $10,000 coverage under your PIP plan without even touching follow-up care or any ongoing therapeutic or rehabilitative costs. You can carry more than the minimum coverage amounts, but as you might expect, you may not change your coverage levels once you’ve submitted a claim. Consider upping your coverage now.