Personal Injury Protection, commonly referred to as PIP, is a component of auto insurance designed to help pay for medical expenses and related costs after an accident, regardless of who is at fault. PIP coverage is most commonly associated with no-fault insurance systems, where each driver’s own policy pays certain expenses before liability claims are considered.
PIP coverage focuses on immediate financial support following an accident. It may cover medical treatment, lost income, and essential services, helping injured drivers and passengers manage expenses while recovering. Coverage availability, limits, and required benefits vary by state and policy structure.
This section explains how Personal Injury Protection works, what it covers, what it does not cover, how claims are handled, and when PIP coverage is required or beneficial for financial protection.
Articles in This Section
- What Personal Injury Protection (PIP) Typically Covers
- What Is Included in a Standard PIP Policy
- What Personal Injury Protection Does Not Cover
- How Personal Injury Protection Is Structured
- PIP vs Bodily Injury Liability Coverage
- Medical Expenses Covered Under PIP
- Lost Wages and Income Replacement Under PIP
- PIP Coverage for Passengers and Family Members
- PIP Coverage Limits Explained
- How Deductibles Affect PIP Coverage
- When Personal Injury Protection Is Required by Law
- How PIP Coverage Affects Auto Insurance Premiums
- How PIP Claims Are Filed and Paid
- How PIP Works With Health Insurance
- Essential Services Covered Under PIP
- Common Misunderstandings About PIP Coverage
- PIP Coverage and No-Fault Insurance Laws
- When to Increase or Reduce PIP Coverage
- PIP Coverage for Pedestrians and Cyclists
- When Personal Injury Protection Is Not Enough
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