Who is covered by Pip?
PIP, or Personal Injury Protection, coverage typically applies to individuals covered by an auto insurance policy. It's a type of insurance that helps pay for medical expenses, lost wages, and other expenses related to injuries sustained in a car accident, regardless of who was at fault.
Here's who is typically covered by PIP:
Policyholder: The primary auto insurance policyholder is covered by PIP, including their medical expenses and lost wages resulting from an accident.
Household Members: PIP often extends coverage to members of the policyholder's household who are injured in a car accident, even if they were not driving the insured vehicle at the time of the accident.
Passengers: PIP can also cover passengers in the insured vehicle who are injured in an accident.
Pedestrians and Bicyclists: In some cases, PIP can cover pedestrians and bicyclists who are injured in accidents involving motor vehicles, especially in no-fault insurance states.
Others: PIP coverage can vary by state and insurance company, so it's essential to check your policy for specific details. Some policies may offer extended PIP coverage for other individuals, such as passengers in your vehicle who are not household members.
Keep in mind that PIP coverage is subject to policy limits, which may vary depending on your insurance provider and the state in which you live. If you're unsure about who is covered by your PIP insurance or the extent of your coverage, it's best to review your policy or contact your insurance provider for clarification.
