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Personal Injury Protection (PIP) -- also known as “no-fault” insurance -- covers medical bills and lost wages when you and/or anyone else in your vehicle are injured in an accident, no matter who is at fault. There are 16 states that require PIP coverage and an additional 7 states that allow you to optionally purchase PIP coverage.
PIP insurance also covers you if you are a passenger in someone else's vehicle, or if you are hit by a car while walking or riding a bicycle. PIP differs from bodily injury liability insurance in that it pays for you and your passengers' expenses, liability insurance pays only for the other party's injuries if you caused the accident.
PIP insurance covers the medical expenses that are necessary to recover from an accident. These expenses typically include:
Coverage limits are the maximum amount the insurance company will pay for a claim. Each state that requires PIP coverage will set their own minimum coverage limits. In such states, you will have to purchase at least the minimum amount of PIP coverage as required by law.
If you do not have good health insurance, you may want to consider increasing your coverage limits beyond state minimums. It is important to be sure that in the event of an accident, there will be enough coverage for you and your passengers’ medical expenses.
PIP insurance covers only personal injuries after a vehicle accident. It does not cover:
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