What is Personal Injury Protection (PIP) in Auto Insurance?

Personal injury protection (PIP) in auto insurance is a type of coverage that can cover a variety of expenses. It pays for ambulance bills, medical treatment, and even medication. It also covers the cost of days off work and rehabilitation. The only exception is if the other driver is at fault, in which case liability coverage must be used. auto quotes insurance

PIP pays for medical costs as soon as an accident occurs. However, you must request approval of the treatment plan beforehand. Upon receiving approval, your auto insurance provider can either approve the medical expenses in full or partially reimburse them. If you are unable to pay for all of your medical bills, you may be able to sue the at-fault party. This can be a useful option if your injuries are not severe enough to be covered by medical insurance.

While most states do not require PIP, there are a few exceptions. Some states require a minimum level of coverage, so you might want to consider taking out several policies. For some people, PIP overlaps with other coverage, such as health insurance . However, it is always a good idea to have both policies, so you aren’t caught without enough coverage.