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I have VERY high PIP limits now & had the identical limits with NJM, allstate just killed their bottom line though, add in allstate taking $100 off my deductible per year, 5% off of my collision & comprehensive coverage for every 6 months without an accident not to mention if you total your NEW vehicle they give you the funds for a new vehicle rather than the value of your vehicle at the time of the accident giving people more of a reason not to worry so much about buying new.
In the end allstate just worked out better for me, thats not to say NJM isn't a great company or insurance company, just worked out better on the other side of the grass.
-Bill
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