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What Is Personal Injury Protection?

Personal injury protection, or PIP, is included in many vehicle insurance policies. It covers various types of expenses incurred as the result of a motor vehicle accident, regardless of who was at fault.

  1. Health Insurance

    • Personal injury protection functions partially as a health insurance policy for anyone injured in a motor vehicle accident who does not have health insurance.

    Liability Prevention

    • A driver who causes an accident--and is covered by personal injury protection--cannot be held liable for medical expenses for anyone else involved.

    Method

    • Each injured party is guaranteed up to the maximum coverage provided by the policy, typically 80 percent of the eligible medical costs. Usually a deductible is applied first.

    Amount

    • Since each person in the accident is covered when a driver carries personal injury protection, a policy providing $25,000, for instance, will pay up to that amount for each injured party.

    Additional Coverage

    • Personal injury protection also may cover lost wages, child care, disability, loss of enjoyment of life, and funeral expenses.

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Comments

  • Joseph Doughty Nov 01, 2009
    Read your policy carefully. Many PIP plans in no-fault states, such as Colorado, have severe restrictions and do not cover lost wages, loss of enjoyment or pain and suffering.

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