Why do I need Personal Injury Protection coverage, and how does it work?
Your medical plan may not give you enough protection and may be subject to a large deductible or co-payment. Personal Injury Protection coverage (PIP) does not have a deductible and covers reasonable and necessary medical and hospital expenses, including dental, nursing, pharmaceuticals, prescription eyeglasses, and prosthetic devices, related to a covered claim. It also pays for loss of income and essential services that must be performed as a result of the injury. All of those benefits apply to you and your passengers.
PIP is a “no-fault” coverage, meaning it’s available whether you caused the accident or not. It applies in addition to the liability coverage that might be available from the driver who caused the accident. PIP covers all occupants of the vehicle, as well as pedestrians and bicyclists hit by the vehicle.