What does personal injury protection cover in Pennsylvania?

Why is personal injury protection required in Pennsylvania? I'm confused about what personal injury protection does.

Answer provided by
Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
Personal injury protection, otherwise known as PIP, covers medical expenses if you’re injured in an auto accident. It also provides additional benefits like:
  • lost wages
  • funeral expenses
  • surgical operations
PIP coverage is not dependent on fault and will pay out immediately if you’re injured in an accident.
PIP is a type of car insurance that is required because Pennsylvania is a no fault state.
While it may seem unnecessary to have, especially if you have health insurance, PIP can be beneficial.
If you have a high health insurance deductible or need to go to the hospital immediately following an accident, PIP will kick in right away. It also often has more complete coverage than health insurance.”

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