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How does PIP works?

PIP works by only covering medical expenses, rather than property damage, after an accident. PIP insurance is often considered a no-fault policy because it covers the injured person regardless of who is at fault in the accident.

Although the exact amount of coverage you'll receive depends on the insurance policy you've selected,  PIP insurance usually covers medical expenses and in some cases, lost wages and funeral expenses. So-called "substitute services" may be covered too, if accident-related injuries prevent the person from performing household duties. For example, PIP may help pay for daycare if the injured person is the primary caregiver and becomes unable to fulfill that role after the accident.

Is PIP Insurance Required?

Depending on the state you live in, you may be required to purchase PIP or have the option of purchasing it. About 12 jurisdictions make PIP insurance mandatory, including Florida, New York, and the District of Columbia. Approximately 30 other states give drivers the option of purchasing it.

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