UNDERSTANDING PIP (Personal Injury Protection)
Personal Injury Protection is also referred to as No-fault Insurance. PIP was created to simplify determining who is at fault. It will help cover costs for medical bills not covered by health insurance regardless of who is at fault. Although 23 states make it required, others have it as an available add-on to your policy. PIP is a smart investment even if your state does not require it, especially considering the financial burden a car accident can become.
Expenses PIP can cover:
Medical expenses: medical and surgical supplies and services, ambulance service, x-rays, nursing, hospital stays, rehabilitation, optical care and chiropractic services
Lost wages: If injuries from the car accident prevent you from working, PIP may be able to help recover lost wages
Funeral costs: If an auto accident or injury from the accident leads to death, funeral costs can be covered
Survivor’s Loss: A small benefit paid to dependants of the deceased for up to 3 years
House Services: If car accident injuries prevent you from completing services like house cleaning or child care
PIP Does NOT cover:
Vehicle damage
Property damage
Injured persons not in the vehicle at time of accident
Injuries due to a driver committing a crime
