What is the purpose of having personal injury protection (PIP)?

Personal injury protection (PIP) is specifically designed to address medical expenses and lost wages incurred by the policyholder and their passengers following an automobile accident, and it does so regardless of who is at fault in the incident. This coverage is essential as it ensures that individuals can receive necessary medical treatment without delays related to determining fault.

PIP also commonly covers various other expenses related to an accident, such as rehabilitation costs and sometimes even funeral expenses if the worst should occur. Additionally, this type of coverage is a requirement in many states, including New York, as it provides a layer of financial protection that can alleviate the burden of immediate medical costs for injured parties.

The options relating to vehicle repair costs, legal assistance, and damages from uninsured motorists pertain to different aspects of auto insurance and do not encapsulate the primary objective of PIP, which focuses solely on personal injuries rather than vehicle or property damages, legal matters, or third-party liabilities.