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All You Ever Wanted to Know About Insurance

Personal Injury Protection (PIP)

If you are hurt in an automobile accident, this part of your no-fault policy will pay all reasonably necessary medical expenses with no maximum limit. It will also pay, up to a maximum amount, for the wages you would have earned if you had not been hurt, for up to three years.

You may coordinate PIP coverage with your health or disability policy (except Medicaid, or a Medicare supplemental policy) to reduce your PIP premium. The health or disability plan then becomes the primary payer for medical or wage loss expenses, and the automobile policy would cover remaining medical or wage loss expenses.