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 (S 3125) raises the mandatory medical expense benefit limit in New Jersey auto insurance policies from $15,000 to $250,000 per person per accident. It eliminates lower-cost insurance options that previously offered reduced coverage and requires all standard and basic auto insurance policies to include this higher medical benefit level. The change directly affects all auto insurance policyholders in New Jersey, ensuring broader coverage for medical treatment after accidents. Key provisions include specific exceptions for severe injuries (like brain/spinal cord trauma) and requirements for referrals for physical therapy and acupuncture to qualify for coverage.