Your Insurance

Personal injury protection is an elaborate type of coverage that is available (or required) in certain states. Most of the time, PIP can help pay for the medical expenses after an accident regardless of who caused the wreck.

Quick Facts

  • Pays for medical expenses regardless of who was as fault
  • Can only be applied to medical expenses, not property damage
  • Some states this is required and other is available upon request

What Personal Injury Protection Covers

Personal Injury Protection offers important protection from expensive medical costs after an accident. PIP coverage is available only in certain states. Though the exact specifics differ from state to state, PIP normally covers you, drivers listed on your policy and your passengers.

In case of injury due to an auto accident, personal injury protection can cover:

  • Medical expenses: medical & surgical treatment, dental treatment, ambulance & nursing services, medication and medical supplies
  • Lost wages (in some cases): if you and/or your passengers have lost time at work and are unable to work due to the auto accident, PIP can potentially help you recover these lost wages
  • Substitute services (in some cases): if you are unable to perform every day household tasks such as cleaning, PIP can help pay for substitute services, like a cleaning crew
  • Funeral expenses (in some cases): if the unthinkable happens and your accident results in death, PIP can help pay for funeral expenses

How Personal Injury Protection Differs From Bodily Injury Liability

You may be questioning what the difference is between PIP and liability.

Generally speaking, bodily injury liability coverage will only kick in if the opposing driving successfully sues for damages or certain “state defined” damage thresholds are exceeded. Personal injury protection on the other hand, is for YOU and YOUR passengers; liability is for damages that may have been caused by the accident.