What is “Personal Injury Protection” insurance (PIP)?
PIP is “no fault” coverage that will compensate a loss due to injury, regardless of who is charged with causing the crash. PIP insurance may also protect you if you’re injured as a pedestrian or bicyclist, as long as the injury is caused by an accident involving a motor vehicle. Only certain states are “no-fault” states.
• A: PIP is insurance coverage that pays for medical expenses, lost wages and the cost of replacing services normally performed by someone injured in an auto accident, regardless of fault. It may also cover funeral costs. Not all states require PIP coverage, but states with no fault laws may limit the right to sue for non-monetary damages such as pain and suffering.
