Personal Injury Protecton (PIP) pays for medical expenses and wage loss regardless of who caused the accident. It also covers pedestrians and bicyclists.
State law requires that PIP coverage be offered and that it meet certain minimum requirements:
Medical Expenses: $10,000
Funeral Expenses: $ 2,000
Medical expenses: $10,000
Essential Services: $ 5,000
Many people think that they have only $10,000 in coverage total. Not the case. Even after $10,000 is spent on medical expenses you can recover $10,000 for lost wages and $5,000 for services you can’t perform because of your injuries. (Needless to say, many PIP adjusters don’t share this information).