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PIP normally provides only $10,000 of benefits. You are entitled to as much uninsured motorist coverage as you have liability coverage. In other words, if you have $300,000 in liability coverage, you are entitled to to purchase $300,000 in uninsured motorist coverage. Uninsured motorist coverage is vitally important if you are injured in a collision caused by a driver who has no coverage or insufficient limits. You might be surprised to find out how many drivers are uninsured or carry only $10,000 minimum coverage. If one of these persons causes a collision and causes injury to you or your family, your uninsured motorist coverage will take over where their coverage ends and will provide benefits not only for medical bills and wage loss but for your disability, pain, and loss of enjoyment of life.