How PIP Works

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Personal Injury Protection May Help Pay Expenses From an Accident

An automobile accident can damage far more than your car. Medical bills and other expenses can add up quickly and put a serious dent in your bank account. Personal injury protection, also known as PIP insurance, can help defray such costs and even help protect your friends and family after a covered accident.

How personal injury protection works

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, meaning 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.

PIP coverage can include medical expenses and more 

Personal injury protection may pay for as much as 80% of medical and other expenses that result from a covered accident, depending on the limits of the policy. 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 insurance may cover:

• Service replacement of someone injured in a covered car accident
• Rehabilitation costs
• Funeral costs 
• Benefits of having personal injury protection

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 payments are made as soon as possible, and you deal only with your insurance company.

How PIP is different from medical payments coverage 

Personal injury protection insurance is similar to medical payments coverage but with an important difference. Medical payments coverage 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, medical payments coverage doesn’t cover other expenses such as rehabilitation services and funeral costs that you may be unable to pay due to injuries from a covered accident.

PIP insurance is mandatory in some states 

Currently, 12 states, including Texas, require some form of personal injury protection coverage. Many states don’t require policyholders to have PIP coverage but do require a signed waiver rejecting the coverage if they choose not to carry this coverage (Texas)