The portion of your automobile (or other vehicle) insurance policy which provides payment for the treatment of injuries to the driver or passengers in your car.
Commonly referred to as “PIP”, this insurance coverage does not consider whose fault the accident was before making payments. PIP provides coverage for injuries to the driver and passengers in an automobile accident and is looked to first before the person’s health insurance. This may become very important if the driver or passenger does not have private health insurance. Under certain circumstances the PIP coverage from your insurance may be available for an accident if you were driving someone else’s car, and PIP will also cover injuries to a pedestrian. PIP coverage is usually included in motorcycle and ATV policies but covers injuries to pedestrians only.
PIP usually provides money for medical fees, lost wages, funeral costs and other out-of-pocket expenses. PIP coverage will be available without having to start a lawsuit. It is very important to remember that there may be time limits for you to file a claim for these benefits so you should consult an attorney or your insurance agent immediately after any accident. The amounts and availability of PIP coverage vary from state to state and a reputable insurance agent will help you determine the PIP coverage available where you insure you vehicle. You should also consider “Additional PIP Benefits” which expand the coverage available for injuries you may sustain.
‘Til next time,
Turning legalese into legal ease,
Lewis
Law for the Layman 