Who is covered by personal injury protection when it's on a car insurance policy?

My parents are the named insured and I'm an additional driver–would I still be covered by their PIP? I'm on a policy with my parents. Would it cover anyone in the car with us as well?

Answer
“Anyone listed on a car insurance policy as a named insured or additional driver is covered by the policy. This includes any coverages that are listed, whether optional or required.
Since personal injury protection (PIP) is on your car insurance policy, you and any passengers in your vehicle are covered. Even if you’re at fault in an accident, your PIP coverage would still apply.
The only time PIP may not cover someone in your vehicle is if they are explicitly excluded from your insurance coverage. When a driver is excluded on an insurance policy, it gives an insurance company a right to deny any claim involving that driver.”
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Emily Maracle
Answered on Jul 07, 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.
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