Eliminates certain personal injury protection options available under standard automobile insurance policies; requires $250,000 of medical expense benefits under standard and basic automobile insurance policies.

This bill raises the minimum medical coverage required in New Jersey auto insurance policies from $15,000 to $250,000 per person per accident for both standard and basic policies. It eliminates lower-tier personal injury protection options, requiring insurers to provide the higher $250,000 medical benefit level for all covered injuries, with specific exceptions for severe cases like brain/spinal cord injuries or trauma center care. This directly affects all drivers purchasing standard or basic auto insurance in New Jersey, mandating significantly higher medical coverage for accident-related injuries. The key mechanism is the new $250,000 minimum, replacing prior caps and ensuring broader coverage for medical expenses without requiring fault-based claims.