What does Personal Injury Protection (PIP) cover?

Personal Injury Protection (PIP) is a type of automobile insurance that covers medical expenses and, in some cases, lost wages and other related expenses for you and your passengers, regardless of who was at fault in an accident. The primary focus of PIP is to provide coverage for medical costs arising from injuries sustained in a car accident, making it crucial for protecting the health and financial well-being of everyone in the vehicle.

In many jurisdictions, PIP also offers benefits for rehabilitation and other necessary expenses incurred as a result of the accident, which reinforces its role as a comprehensive health-related safeguard within auto insurance policies. This coverage makes PIP particularly valuable because it helps to ensure that immediate medical needs are addressed without waiting for fault determinations, leading to prompt treatment and potentially better recovery outcomes for injured parties.