What Does Personal Injury Protection (PIP) Insurance Cover?

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.

How to File a PIP Insurance Claim

If you are injured in an accident, you should contact your insurance company as soon as possible to file a PIP insurance claim. You will need to provide the insurance company with information about the accident, your injuries, and your medical expenses.


PIP insurance can provide valuable financial protection in the event of an accident. If you are considering purchasing auto insurance, be sure to ask your insurance company about PIP coverage.