Personal Injury Protection

Personal Injury Protection (PIP) is a type of automobile insurance coverage that pays for medical expenses and related costs resulting from a car accident, regardless of who caused the accident. It is often referred to as "no-fault insurance" because it covers injuries without needing to establish fault or liability.

Key features of PIP include:

• Coverage of medical bills for the policyholder and passengers, even if they do not have health insurance.
• In many cases, PIP also covers lost wages, household services (like childcare or house cleaning), disability and rehabilitation costs, and sometimes a death benefit for the family if the accident is fatal.
• PIP coverage can apply not only when you are driving but also if you are injured as a pedestrian or cyclist in an accident involving a vehicle.
• There is usually a per-person maximum limit on coverage, and some states require a minimum amount of PIP coverage.
• PIP is mandatory in some states (such as Florida, New York, Michigan, and others) but optional or unavailable in others.

Unlike bodily injury liability insurance, which covers medical costs for others injured if you are at fault, PIP covers your own medical expenses regardless of fault.

In summary, PIP is designed to provide quick access to medical and related benefits after an auto accident without the delay or complexity of determining fault.