What Is Personal Injury Protection (PIP)?

Personal Injury Protection (PIP) is a type of auto insurance coverage that helps pay for medical expenses and related costs for you and sometimes your passengers after a crash, regardless of who caused it.

Depending on the state, PIP may cover:

• Medical bills
• Rehabilitation costs
• A portion of lost income
• Essential in-home services
• Funeral or burial expenses in fatal crashes

PIP is closely tied to no-fault insurance systems. In many no-fault states, drivers are required to carry a minimum level of PIP coverage, and most minor injuries are handled through PIP rather than liability lawsuits.

The ru3.us PIP / No-Fault Dataset tracks states where the initial reference explicitly requires PIP and records minimum PIP medical coverage where available.

For state-by-state structure:

• PIP dataset → /datasets/state-pip-no-fault-coverage
• No-fault overview → /tort-vs-no-fault-vs-choice-auto-insurance