Personal Injury Protection Coverage

What is personal injury protection insurance?

Personal Injury Protection (PIP) is insurance coverage for an insured person for reasonable and necessary medical and other expenses that result from an accident, regardless of who is at fault.

What does PIP cover?

PIP covers medical expenses for injuries sustained in accidents. Examples of typical expenses include: medical and hospital expenses, lost wages, loss of services, funeral expenses, child care expenses, and other damages up to a certain amount. Coverage and types of expenses vary by state.

Do I need PIP? If so, how much PIP should I purchase?

Your need for PIP coverage depends on what other insurance coverage you have. If you are retired, have other medical and disability insurance, PIP may be duplicate coverage. If you have health insurance, your medical bills may be paid, depending on the plan's limits and co-payments. If you have medical payments coverage on your car, and you have good health insurance, then you may be able to do without PIP coverage. Speak to your insurance agent about the best coverage amount for you. You want to be covered in the case of an accident.

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