Personal injury protection
Learn about PIP coverage and how it may keep you covered in the event of an accident. Personal injury protection (PIP), also known as no-fault insurance, helps cover expenses like medical bills, lost wages or funeral costs after a car accident, no matter who is at fault. Requirements for this coverage vary from state to state.
What Does Personal Injury Protection Car Insurance Cover?
If you’re in an auto accident, your PIP insurance can help cover medical expenses for you and your injured passengers. And it doesn’t matter who is at fault for the accident.
This car insurance coverage applies even if you’re not driving. For example, if you’re injured after getting hit by a car while walking, your PIP coverage may help pay for your injuries.
Medical Expenses
On top of covering medical bills for you and your passengers after a car accident, PIP coverage may even help cover your health insurance deductible.
Work Loss
Personal Injury Protection DefinitionIf you’re injured in an accident and have lost wages because you’re out of work, your PIP coverage can help. This benefit can also apply if you’re self-employed and need to hire temporary workers to perform tasks.
Funeral Expenses
Your PIP coverage can help pay for funeral, burial or cremation expenses after a car accident.
Survivors’ Loss
If you pass away in an auto accident, your PIP insurance can help replace your lost income for your surviving dependents.
Essential Services
Your PIP insurance can also help pay for services that you’d normally perform if you weren’t injured, like childcare and house cleaning.
What Is Not Covered by PIP Insurance?
Your personal injury protection insurance won’t help cover:
- Property damage
- The other drivers’ injuries in a collision
- Any injuries from an accident while you were committing a crime, like fleeing the police
- Injuries in an accident while you received payment for driving
