What doesn't personal injury protection cover?

What won't PIP cover? I know that it covers medical expenses, lost wages, and funeral costs for you and your passengers.

Answer provided by
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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.
“While personal injury protection does cover medical expenses for you and your passengers, it doesn’t cover anyone outside your vehicle.
If you’re at fault in an accident, you’d need to use your bodily injury liability to cover the other party’s injuries.
Personal injury protection also doesn’t cover any physical damage done to your vehicle or someone else’s vehicle. It is strictly coverage for you or your passenger’s medical expenses.”
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