Also known as “no-fault insurance,” PIP is a type of auto insurance that helps pay for your medical expenses after a car accident—regardless of who was at fault.
What is PIP?
PIP covers you, your passengers, and sometimes pedestrians injured in a crash.It kicks in immediately after an accident, so you don’t need to wait for fault to be determined.
PIP goes beyond just hospital bills. It can pay for:– Emergency medical care– Follow-up treatments & rehab– Lost wages if you can't work– Childcare costs due to injury– Funeral costs in severe casesNote: Coverage limits vary by state and policy.
Is PIP Required?
PIP is mandatory in no-fault states like:– Florida– New Jersey– Michigan– New YorkIn other states, it's optional but recommended for extra financial protection.
In the chaos after an accident, PIP helps you:– Get treatment fast– Avoid legal delays– Focus on recovery, not billsBottom line: It gives you financial support and peace of mind when you need it most.