PIP offers vital protection from costly medical expenses after an accident. Because it’s such an important coverage, check the specifics of your health insurance plan and work-loss coverage, if you have these, to determine how much PIP coverage to add to your car insurance policy. Check to see how your health plan, in particular, handles expenses after a car accident.
Personal injury protection coverage is available only in certain states. Though the specifics can vary greatly by state, PIP generally covers you, drivers listed on your policy, and your passengers.
In case of an accident-related injury, personal injury protection can cover:
Medical expenses: medical and surgical treatment, dental and optometric treatment, ambulance and nursing services, medication, medical supplies, and prosthetic devices
Lost wages (in some cases): if you or your passengers are unable to work due to accident-related injuries, PIP can help you recover lost wages
Substitute services (in some cases): if accident-related injuries keep you or those covered from performing household tasks, like cleaning, PIP helps pay for substitute services, like a cleaning crew
Funeral expenses (in some cases): if accident-related injuries result in death, PIP can help pay for funeral expenses