Brendan Sanford 
Many states, such as New York, mandate that drivers purchase personal injury protection as part of their car insurance policy. Also referred to as no-fault coverage, personal injury protection will cover medical expenses for you and any passengers after an accident occurs.
Additionally, an accident cover pays for other expenses, including lost wages and services such as child care that you cannot perform due to being involved in an accident.
Medical Expenses
New York is one of twelve states requiring personal injury protection (PIP) insurance as part of car insurance coverage for every motorist. PIP will cover most medical costs related to an accident, such as ambulance services, hospital stays, surgery costs and medication expenses; as well as lost wages caused by injuries sustained in an accident as well as any costs incurred from hiring someone to perform duties that you cannot due to your injuries.
PIP coverage will cover medical expenses for you and any passengers riding in your car up to an agreed-upon limit, no matter who was responsible for an accident. This differs from liability coverage which pays out damages caused to other people’s cars and property; some states even mandate liability policies as required coverage.
PIP coverage combined with health care insurance provides additional protection in case of accident-related injuries. Each PIP policy has an individual maximum per-person limit; any additional expenses could be covered by your health plan.
Lost Wages
In case of an auto accident that leaves you injured and out of work for some time, PIP coverage may help cover some of your lost wages. Coverage amounts vary based on each policy’s limits.
Some PIP policies provide coverage for medical expenses incurred by both policyholder and passengers in their vehicle, including ambulance services, surgery, hospital stays, physical therapy sessions and supplies and prescription medication up to the limits of your policy.
After being involved in a car accident, bills can quickly accumulate quickly – including medical costs, lost wages and funeral costs. Personal Injury Protection (PIP), commonly known as no-fault car insurance, covers these expenses no matter who was at fault. By adding PIP coverage as no-fault coverage it helps offset these expenses more quickly; especially if health or life policies alone don’t suffice. PIP also serves as an important supplement to existing policies in states that mandate or offer it, providing drivers faster financial relief than filing a liability claim against those at fault than filing a legal claim would.
Rehabilitation
Personal Injury Protection, or PIP, provides financial coverage to you and your passengers after an auto accident. PIP also typically reimburses lost wages and household services you’re no longer capable of providing due to injuries (up to an agreed upon limit per person). While PIP coverage is required in 12 states that utilize no-fault auto insurance systems, most other states consider adding it an optional add-on feature.
An auto accident can have lasting repercussions for both you and your finances, including health and financial concerns. That is why so many people purchase personal injury protection (PIP), or personal injury protection on their auto insurance policies to cover expenses such as medical bills, lost wages or funeral costs after an accident regardless of who caused it. We have provided more details below regarding PIP to give an idea of its coverage but this should only serve as a general overview; any changes should be discussed directly within your policy contract agreement itself.
Funeral Expenses
PIP (personal injury protection) and medical payments (med pay) provide coverage for hospital bills, funeral costs and services you cannot perform because of an accident – like house cleaning – regardless of who caused it. Some states have no-fault car insurance laws that require these coverages as part of no-fault coverage laws, offering reimbursement regardless of who caused an incident.
Your insurer pays up to the limits of your policy in terms of medical expenses covered under Personal Injury Protection (PIP), such as surgery, ambulance transportation costs, home care assistance services, pharmaceuticals and medical devices. PIP also sometimes covers funeral and burial costs as some policies provide death benefits up to certain limits within certain time periods after an accident has taken place – adding this coverage can help cover final expenses more easily than having life insurance alone.
