Not to bring this back around to insurance but I did get in writing from my insurance company some clarification. In NJ we have a 3rd element to our insurance from Collision and Liability called Personal Injury Protection aka PIP insurance. This coverage pays for all medical expenses for all parties involved in an accident up to the coverage limit and does follow NJ residents around the globe. This is slightly different than liability and explains for the confusion. So if you are NJ resident you should be covered for medical expenses for you and whomever you run over, but I don't think it covers cows or goats.