What is Personal Injury Protection

There are many people that wonder about what personal injury is, especially in relation to insurance. If an individual has purchased car insurance, they likely believe that they are entitled to some form of personal injury protection. However, others might wonder about the exact definition regarding what is personal injury protection, and if there are specific limits.

You might be confused about what is personal injury protection, and how everyone is protected. What if there is a car accident and someone is injured that isn’t an insurance policyholder? Is there a limit regarding medical costs? Here, we look deeper to answer what is personal injury, and exactly how to think about personal injury protection, or PIP.

What Is PIP?

One of the most important things to consider regarding what is personal injury protection is that there are different laws that change from state to state. Of course, this applies to different countries, as well. You may want to check whether you live in a “no fault” state.

A “no fault” state usually means that personal injury protection care is available, but what is personal injury protection? If you are a PIP policyholder, it means that your policy pays for your medical care no matter who is at fault for the incident (hence the “no fault” terminology). There are also situations where the other party may not have insurance. PIP can also provide payments for childcare, funeral expenses, lost income, and more.

More Information About States

There are some states that require personal injury protection, so it might be something that you need, whether you are asking about what is personal injury protection or not. Liability insurance is required in every state, except for New Hampshire and Virginia, but this is not the case for personal injury protection. If PIP coverage is optional, you may want to think about your driving past and lifestyle and consider whether it makes sense for you and your family.

Some states may require minimum coverage for personal injury protection, so you may need to make a decision regarding the policy that you choose. If you are a safe driver who has never gotten into an accident, you may not ever worry about what is personal injury or what is personal injury protection.

However, it’s also important to recognize that an accident can happen at any time through no fault of your own, and it may happen when you least expect it. You also will want to think about your health insurance in general and how your PIP relates to it.


You may not have ever gotten into an accident or wondered about what is personal injury protection. However, no one wants to get into an accident and realize that they do not have policies to pay for medical costs.

It’s critical to recognize that there are maximums when you think about what is personal injury protection – so it’s not as if insurance companies will pay for all medical costs, no matter the accident. The first thing you should do is look up what is personal injury and find out whether you live in one of the 22 states that require personal injury protection.

Navigating personal injury cases can be difficult, which is why having good legal counsel is key. Reach out to Erjavec Injury Law at our website or call 941-907-1133.