WalletHub, Financial Company
Personal injury protection (PIP) covers the policyholder and their passengers regardless of who was responsible. Named drivers will also be covered under PIP if they are injured by a car as a passenger, pedestrian, or cyclist. PIP applies to things like medical expenses and lost wages for covered individuals.
Who PIP Insurance Covers
- The policyholder
- Any other named drivers
- Passengers in the car if a named driver is at the wheel
- Named drivers who are injured in a car accident, even if they weren’t driving
No-fault states generally require drivers to have PIP so that they can file minor medical claims with their own insurance company after an accident, even if they were not at fault. PIP is available in some at-fault states, as well, because it’s an inexpensive way to protect against medical bills down the road.
For more information, check out WalletHub’s guides to personal injury protection and car insurance for passengers.
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