What type of coverage does Personal Injury Protection (PIP) provide?

Personal Injury Protection (PIP) provides automobile no-fault coverage, which is designed to cover medical expenses and, in some cases, lost wages for the insured and their passengers, regardless of who is at fault in the accident. This type of coverage is particularly significant in no-fault insurance systems, where each party's own insurance covers their medical expenses rather than relying on the at-fault driver’s liability coverage.

This ensures that individuals receive timely medical care and support immediately after an accident without the need for lengthy legal processes to establish fault. PIP is a fundamental component of personal auto insurance policies in many regions, reinforcing the priority of providing immediate assistance to those injured in vehicle accidents while streamlining insurance claims processes.