Personal Injury Protection — Insurance Claims Definition
Auto
No-fault medical and wage loss benefits for you and passengers after an auto accident, regardless of fault, in no-fault states.
PIP pays medical expenses, lost wages, and sometimes replacement services up to limits without proving fault. Thresholds to sue for pain and suffering vary by state. PIP coordinates with health insurance per statute.
Examples
After a rear-end crash, PIP pays your first $10,000 of medical bills and 60% of lost wages under state law.
Common Mistakes
Confusing PIP with bodily injury liability or with personal injury tort meaning.
