Personal injury protection is a type of insurance protection to cover you against wage loss, medical expenses and funeral services. This coverage protects you even when you are at fault in a personal injury accident.

Different state’s legal stipulations require insurance providers to offer PIP to their customers. However, while in some states it is mandatory to take up PIP coverage in other states it is not mandatory for customers to pick it up. In the event of decline, you are required to do so in writing.

PIP covers you, your foster children, household members related to you either by blood or kinship and other people who are victims in the accident. PIP premiums vary from coverage to coverage as influenced by other risk and insurance factors.