A split decision from the New Jersey Supreme Court on medical coverage limits in low-cost auto insurance policies has focused attention on the inherent conflict between affordable premiums and full reimbursement for injuries.

The decision was hailed by some as safeguarding the no-fault system and keeping down insurance premiums. Others, however, hope the Legislature will revise the insurance laws in light of the ruling, which they said will send some motorists into bankruptcy with its limitations on medical coverage.

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