Personal Injury Protection
What Does Personal Injury Protection Mean?
Personal Injury Protection (PIP) is a type of no-fault auto insurance coverage that pays for healthcare expenses for the driver and their passengers after an accident, regardless of who is at fault. In some states, PIP coverage is legally required. If medical expenses exceed the PIP coverage limit, the individual’s health insurance may cover the remaining costs up to its policy limits.
Insuranceopedia Explains Personal Injury Protection
Personal Injury Protection (PIP) requirements vary by state, with PIP primarily available in no-fault states. Adequate coverage depends on each state’s minimum requirements, as well as the individual’s health insurance policy and financial situation. However, it’s important to note that PIP cannot replace liability coverage, which is mandatory in nearly all states.
In addition to medical expenses, PIP may cover lost wages if the insured is unable to work due to accident-related injuries. It can also provide coverage for funeral expenses and child care, depending on the policy.
