I recently got a letter in the mail from my car insurance company.
The attached Coverage Selection Form must be signed and returned to avoid an increase in your premium.
New Jersey state law provides you with a Personal Injury Protection Limit of $250,000 unless you choose a lower limit in writing on a Coverage Selection Form. Our records indicate you have a lower limit than $250,000 and we don’t have a coverage selection form on file. Please sign and return a coverage selection form prior to policy renewal.
I don’t understand this. Basically, they need written consent that I want to stay with my current much lower than $250,000 cover plan. Is the $250,000 provided by the state? If it were I don’t see why my insurance should go up. Am I just an idiot or is this confusing?