PIP stands for personal injury protection. PIP is extended car insurance that’s available in some states in the U.S. The coverage is usually for medical expenses. Sometimes, the insurance will cover lost wages due to an accident and other damages. This type of insurance is to cover people in an accident, regardless of the person to blame. Usually, someone makes a claim on their own insurance. Depending on the laws in the state, someone may make a claim on your PIP insurance.
Personal injury insurance is similar to Med Pay insurance. Med Pay insurance will cover medical expenses just like PIP. The difference between the two is that PIP will cover lost wages. Med Pay insurance won’t. PIP is more expensive compared to Med Pay insurance because of the extra benefits you receive.
Depending on state laws, personal injury protection may be required in some states. The types of medical treatments that are covered varies from state to state. Some states even allow for claims on workers’ compensation. Personal injury protection is sometimes the first contact for people who’ve been injured in a car accident.
If the accident wasn’t your fault, the person’s liability insurance usually pays the PIP insurance company for the losses occurred.
If you have been temporarily or permanently disabled because of the car accident, you can receive help with the tasks you are unable to complete such as household chores, grocery shopping and more. The insurance company will pay these costs up to a certain amount.
PIP is mandatory in the following states:
- New York
- North Dakota
- New Jersey
- The District of Columbia
PIP coverage is available, but not mandatory in the following states:
- New Hampshire
- New Mexico
- North Carolina
- Rhode Island
- South Carolina
- West Virginia