What Does Personal Injury Protection (PIP) Mean?
Personal injury protection (PIP) refers to no-fault auto insurance coverage that covers the health care expenses of the driver or their passengers after an accident, regardless of who is at fault. In some states, it may be required by law. As for medical expenses, the individual's health insurance may cover certain amounts that exceed the PIP coverage limit.
Insuranceopedia Explains Personal Injury Protection (PIP)
Different states have different personal injury protection requirements. PIP is mostly available in no-fault states, and the amount of adequate coverage depends on the minimum requirements, the individual's health insurance policy, and financial situation. However, it is important to note that it cannot function as a substitute for liability coverage, which is required in almost all states.
Other than medical coverage, personal injury protection covers lost wages in some cases, such as if the insured cannot perform their work because of accident-related injuries. It can also cover funeral expenses and child care.