Marco had considered the "Dollar a Day" or Special Automobile Insurance Policy (SAIP) , which provides very basic medical coverage for those on Medicaid, but ultimately he chose a more robust plan. He wanted to make sure he met the state minimums of $15,000 for bodily injury per person and $5,000 for property damage. Suddenly, a driver swerved. Crunch.

Marco didn’t panic. He remembered the advice from a former insurance worker : take photos, get the other party's information, and check for a dashcam. He knew that even in a no-fault accident, his rates might see a slight hike because insurers look at the likelihood of future claims, but he felt secure knowing he hadn't skimped on coverage just to save a few bucks.

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The humidity was thick as Marco pulled his sedan onto the Garden State Parkway. Like many New Jerseyans, Marco lived by a strict code of lane discipline and a healthy respect for the "no-fault" laws he’d only recently come to understand.