With standard auto liability insurance, the insurance company of the driver responsible for an accident pays the costs resulting from a covered accident (up to the policy’s limits). Personal injury protection is a “no-fault” coverage and is required in some states. "No-fault" means that regardless of which driver was at fault, some of the medical expenses for the policyholder and others in the policyholder’s car may be covered by insurance.
It may help pay a portion of medical and other expenses that result from a covered accident. This may include medical treatment of the injuries suffered by you and your passengers, as well as medical expenses you might incur if injured as a passenger in another car or as a pedestrian.
Additionally, PIP may cover:
Following the initial shock of a car accident, one of the most frustrating issues can be the time it takes for insurance companies to determine blame, make payments and, if necessary, file a lawsuit. With PIP coverage, no blame needs to be assessed. If it is a covered incident, medical and lost income payments are made as soon as possible, and you deal only with your insurance company.
PIP insurance is similar to medical payments coverage (med pay) but with an important difference. Med pay pays the medical costs for you and your passengers in the event of a covered auto accident, regardless of who’s at fault.
Unlike PIP, med pay doesn’t cover other expenses such as lost wages, rehabilitation services, funeral costs and services, such as childcare, that you may be unable to perform due to injuries from a covered accident.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.