Personal Injury Protection

Personal Injury Protection

Personal Injury Protection (PIP) is another type of coverage that helps pay for your medical bills, as well as that of your passengers, when injured in an auto accident, regardless of who is at fault. It carries a more comprehensive coverage compared to medical payments which are also a type of insurance that help pays medical bills if the policyholder sustained injuries in a car accident.

PIP is also known as no-fault insurance which means regardless of which driver was at fault.  You don’t have to exert effort and spend time trying to figure out who is at fault.  Though there are also states that don’t have this ‘no-fault’ law.


The benefits of PIP may vary depending on which state you live in and your selected policy limits, but generally, it covers

  • Your medical expenses incurred in a car accident, regardless of who is at fault. It may cover for the ambulance, hospital stays, medical treatment, surgeries, nursing care, dental care, X-rays services, and rehabilitation. Specialized therapies such as psychiatric, physical and occupational therapy and long-term rehabilitation may also be covered. Also included in PIP benefits is the provision of needed medical supplies, medications and prosthetics.
  • Lost wages as a result of your injuries. It can pay up to 60% of any income you lose.
  • Disability services or service replacement. If you were unable to do your normal routine and tasks at home as a result of the accident, PIP could help pay for those services such as childcare and cleaning.
  • Your health insurance deductible and as complementary to your health insurance coverage limits.
  • Accidental death benefits and funeral costs. If the accident resulted in death, PIP might cover funeral expenses.

The additional Benefits

The policyholder is not the only one who can benefit from PIP. Typically, PIP also covers your passengers and authorized drivers of an insured vehicle.  PIP also helps pay for your medical bills if you sustained injuries as a passenger in someone else’s car, as a pedestrian or if you are riding a bicycle and a vehicle hits you.

Required or Optional?

Some states require drivers to carry PIP (25 US States and the District of Columbia), but there are also some that make it optional.  Please check with your state’s specific laws regarding PIP.

Policy Limits

The amount your policy covers may vary depending on your plan and on your state.  Some states set a specific amount for PIP coverage while other states allow you to choose your maximum payout.

You have to take note that PIP comes with a deductible.  When you get injured, the policy will pay 80% of your medical expenses minus your deductible, up to the policy limit.

Every insurance company has their definition, terms and specific guidelines in their own auto insurance policy.  It is essential to learn about your own selected policy, especially what it covers and the standard operating procedures in filing a claim.  Some insurance companies set a deadline in filing your claim.

Call an agent and ask all the questions you have in mind.