Personal Injury protection is a “NO-FAULT” coverage, meaning that regardless of which driver was at fault, some of the medical expenses for the policyholder and others in the policyholder’s vehicle may be covered by insurance.
The exact benefits offered by PIP vary by state, and there may be a deductible due before the benefits kick in. Coverage varies widely among states, so the terms of your policy note your specific benefits, but in general personal injury protection coverage includes:
Medical Expenses – May include reasonable charges for medical, hospital, surgical, nursing, ambulance and x-ray services.
Loss of income
Loss of essential services ( can receive benefits if you need help performing household or other tasks due to your injury ).
One of the best things about PIP coverage is you and your family are covered whether you are a driver or passenger in your vehicle, or any vehicle you are traveling in. PIP coverage also protects the other passengers in your vehicle regardless if you select or waive the coverage on yourself.
For those drivers who wonder if they have PIP coverage, it is important to remember that while state law does not require PIP coverage to be purchased by an auto insurance policyholder, insurance carriers are legally required to offer their customers this coverage when buying car insurance. If a customer does not want to have PIP, then he or she must sign a waiver stating that they rejected the opportunity to carry PIP coverage.
Even though PIP coverage does not pay for ALL of your medical expenses if involved in an accident, it is good to know that you do have some coverage for your medical expenses whether you are at fault or not at fault in an accident.