Sorry, I stand corrected .... sort-of.
Those minimum coverage are like having no coverage and if you see some of the vehicles on the road you can be assured they have the minimum (or none - despite the law). You can't get a band-aid in an emergency room for $10G's of PIP
and very little for $10G's of repairs if you mess-up someone else's car. Maybe that's why my agent was trying to explain when she said uninsured/underinsured driver coverage is so expensive.