What is Personal Injury Protection (PIP)?
Updated January 24, 2026
No-fault auto insurance coverage that pays medical expenses and lost wages regardless of who caused the accident.
Understanding Personal Injury Protection (PIP)
PIP is mandatory in no-fault states and optional in others. Coverage typically includes medical bills, lost wages, essential services replacement, and funeral expenses. PIP pays quickly without determining fault, but limits vary by state and policy.
Examples
- 1Using PIP for immediate medical treatment
- 2PIP covering lost wages during recovery
- 3Coordinating PIP with health insurance
Related Terms
No-Fault Insurance
An auto insurance system where each driver's own insurance pays for their medical expenses and lost wages regardless of who caused the accident.
Uninsured Motorist Coverage
Insurance coverage that protects you if you're injured by a driver who has no liability insurance or insufficient coverage to pay for your damages.
Total Loss
When a vehicle is damaged to the extent that the cost of repairs exceeds the vehicle's actual cash value, or when the vehicle cannot be safely repaired.
Bad Faith Insurance
When an insurance company unreasonably denies, delays, or underpays a valid claim, or fails to properly investigate or defend its insured.
Subrogation
The right of an insurance company to pursue a third party who caused the loss to recover the amount paid on a claim.
For Motor Vehicle Collision cases
The record behind a term like this one is built by the client, not the file.
Quilia asks clients about treatment, appointments and how they are doing, records the answers on the case, and syncs it to Clio, Filevine, MyCase, Neos and more.
Keep Clients Informed Without the Phone Calls
Quilia's client portal keeps your clients engaged with automated updates, reminders, and document collection, so your team can focus on winning cases.