You did not mention your state's no-fault or Personal Injury Protection (PIP) limits however we would guess that if you were buying an additional amount of $50,000 then the basic PIP would likely also be $50,000 so this would give you in total a PIP limit of $100,000. This is just an example though and without knowing your state's basic, required PIP limits, your state's laws and the specific terms of your policy we cannot tell you for certain what limits you would have if you placed additional PIP on your car insurance policy.

We can give you an example from one state though using their limits and laws. In New York no-fault, also called Personal Injury Protection (PIP), is designed to pay for economic losses (meaning medical/health expenses, lost earnings, and certain other reasonable and necessary expenses related to injuries sustained), up to $50,000 per person ("basic No-Fault coverage"), to the driver and all passengers injured in your car as well as any pedestrians injured by your car, because of its use or operation in New York State. This PIP coverage is paid regardless of who might have been at fault or whether there was any negligence.

The New York Insurance Department notes that it is often smart to buy more No-Fault protection, over the basic $50,000 minimum coverage limit of No-Fault benefits required by law. Because of No-Fault’s cost-effective design, extended No-Fault benefits represent a relatively inexpensive option.

For a modest additional premium, optional coverages are available that will pay more than the required basic No-Fault benefits. So in NYS one may purchase Additional PIP coverage, to raise the overall limit of No-Fault benefits available in case of an accident up to $100,000 or higher and, in the process, increase the potential maximum amounts of lost earnings payments, other necessary expenses or the death benefit, depending on the limit you select.

Additional PIP also includes coverage for you and your family and, unlike basic No-Fault, extends to all out-of-state guest occupants in your car when driving anywhere in the United States, its territories and possessions, or Canada. For a minimal charge, you may also purchase additional personal injury protection solely to cover such guest occupants, without increasing the overall limit of No-Fault benefits.

For information on what your basic and additional PIP limits and coverages cover for you and others that are on your policy speak with your insurance agent. You may also want to get consumer advice from your state's insurance regulator.