On a New Jersey Standard Policy, what is the default PIP medical expense benefit limit if the insured makes no other election on the Coverage Selection Form?

Why this is the answer

Under N.J.S.A. 39:6A-4.3, the Standard Policy PIP medical limit defaults to $250,000 per person per accident. The insured may elect lower limits — $15,000, $50,000, $75,000, or $150,000 — through the Coverage Selection Form to reduce premium, but coverage is capped at $250,000 except for catastrophic injuries which are covered at the full $250,000 regardless of election.