Define: Personal Injury Protection

PIP. An extension of car insurance available in some states which covers medical expenses and, in some cases, lost wages and other damages. PIP pays off regardless of who is at fault and is mandatory in some states, especially those with “no-fault” laws.

Personal injury protection (PIP) is a type of no-fault motor insurance coverage that pays for the driver’s or passengers’ medical bills following an accident, regardless of who is at fault. It may be required by legislation in some states. In terms of medical expenses, the individual’s health insurance may cover amounts in excess of the PIP coverage maximum.

Personal injury protection laws varies from state to state. PIP is generally accessible in no-fault states, and the amount of acceptable coverage is determined by the state’s minimum standards, the individual’s health insurance policy, and their financial position. It is crucial to remember, however, that it cannot be used in place of liability coverage, which is needed in almost all states.

Personal injury insurance, in addition to medical coverage, pays lost wages in specific instances, such as if the insured is unable to do their job due to accident-related injuries. It can also be used to pay for funeral expenses and child care.

This site contains general legal information but does not constitute professional legal advice for your particular situation. Persuing this glossary does not create an attorney-client or legal adviser relationship. If you have specific questions, please consult a qualified attorney licensed in your jurisdiction.

This glossary post was last updated: 29th March 2024.