Here's how it works:
* PIP is a coverage option in many states. You choose how much PIP coverage you want when you buy your insurance policy.
* PIP covers medical expenses regardless of fault. This means you can get medical care even if you were at fault for the accident.
* PIP coverage varies by state. The amount of coverage you receive and what it covers (like lost wages) will depend on your state's laws.
Other important points about PIP:
* You may need PIP even if you have health insurance. Your health insurance may have a deductible or co-pay, while PIP may cover these costs.
* PIP is not always required. Some states require PIP, while others make it optional.
* PIP is separate from liability insurance. Liability insurance covers the other driver's injuries and property damage if you are at fault.
It's essential to talk to your insurance agent about your state's laws and what PIP coverage is right for you.
