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What Does Personal Injury Protection Cover?

by | Oct 13, 2022 | Blog |

Personal injury protection (PIP) is a type of insurance coverage that pays medical bills, lost wages and other expenses when you’re hurt in an accident. If you’re injured in a car crash, for example, your auto insurance would kick in first to cover the cost of your emergency room visit and ambulance ride. Then, if it’s determined that you sustained significant injuries from the accident, you could file a claim on your PIP coverage for additional expenses related to that injury.

In this blog, we will break down the basics of PIP coverage for you. Let’s get started!

What does personal injury protection cover?

Personal injury protection covers medical expenses, lost wages and replacement services.

You may be wondering what is a medical expense reimbursement. Medical expense reimbursement includes the cost for hospital, clinic and/or doctor’s office bills related to your injuries. If you were injured in an auto accident where someone else was at fault, the other driver’s insurance company will pay for all of your necessary medical expenses.

However, if you have PIP coverage on your own policy and the other driver does not have liability insurance (or enough liability insurance) to cover all of the expenses, then those out-of-pocket costs can be paid through your PIP coverage instead.

Is personal injury protection required by law?

Personal injury protection is required in every state. If your state does not offer PIP, you are required to purchase it from an insurance company.

PIP pays for the medical expenses associated with an accident (ie: injuries, broken bones, etc.), up to the limit of your plan. Some states also have additional coverage available but it’s not always necessary or even recommended. According to California-based law firm Shulman Rogers’ annual survey of auto insurance needs and costs: “When it comes to personal injury protection (PIP), most people understand that this is part of their car insurance policy—but they don’t know why they need it.”

Personal Injury Protection can be a lifesaver in the event of an accident.

Personal injury protection, or PIP, is a type of insurance that covers medical bills, lost wages and other expenses related to injuries suffered in an accident. This can be a lifesaver for those who might not otherwise be able to afford the care they need to recover from their injuries.

PIP is available in all 50 states; it’s not the same as health insurance (which pays for ongoing medical expenses) but rather an additional coverage option on top of auto collision and comprehensive policies.


Personal Injury Protection can be a lifesaver in the event of an accident. It provides coverage for medical bills, lost wages and other expenses related to your injury. To learn more about personal injury protection (PIP) coverage plans, we encourage you to reach out to our legal experts. Visit www.holmanfirm.com to learn more.

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