What Does Personal Injury Protection (PIP) Insurance Cover?
Personal Injury Protection (PIP) insurance is a type of auto insurance that helps cover the medical and other expenses of the policyholder and their passengers if they are injured in an accident, regardless of who is at fault.
What Does PIP Insurance Cover?
- Medical expenses, including hospital bills, doctor visits, surgery, and rehabilitation.
- Lost wages, up to a certain amount, if the policyholder is unable to work due to their injuries.
- Funeral expenses, if the policyholder is killed in an accident.
- Other expenses, such as transportation to and from medical appointments, and replacement services, such as childcare or housekeeping.
Who is Covered by PIP Insurance?
PIP insurance typically covers the policyholder and their passengers, regardless of who is at fault for the accident.
PIP Insurance Limits
The amount of PIP coverage that is available varies by state and insurance company. In some states, PIP coverage is mandatory, while in other states it is optional.