What is Personal Injury Protection? (PIP)

Personal Injury Protection (PIP), also known as no-fault insurance, is a type of auto insurance coverage designed to pay for medical expenses and lost wages if you or your passengers are injured in an automobile accident, regardless of who is at fault.

Key Features of PIP:

  1. Medical Expenses: Covers necessary and reasonable medical expenses resulting from the accident, including surgical, X-ray, and dental services.
  2. Lost Wages: Provides compensation for lost income due to injuries sustained in the accident.
  3. Funeral Costs: Can cover funeral expenses in the event of a fatal accident.
  4. Optional Coverage: In most states, PIP is an optional coverage that you can add to your auto insurance policy.
  5. No-Fault Insurance: It pays out regardless of who is determined to be at fault for the accident.

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