What Does PIP Mean in Auto Insurance?

Personal injury protection (PIP) is a specific type of insurance coverage in cases of automobile accidents. Although each insurance policy will be different, the PIP coverage will generally cover medical expenses incurred as a direct result of the accident, regardless of whether you were at fault. Therefore, PIP auto insurance is sometimes referred to as “no fault” coverage.

Many, but not all, auto insurance plans in Tampa will also cover lost wages directly related to the accident. Some states require PIP insurance coverage for all drivers, but not all. Really good auto insurance policies may also include PIP for ancillary services needed because of the injuries suffered during the accident. For example, if you were injured in a car accident and could not take your kids to school, the PIP would cover a temporary nanny or caregiver. In extreme cases, the PIP would cover funeral expenses.

Unfortunately, PIP insurance usually sounds better on paper than it actually is in real life. Accidents happen, and when they do, insurance companies are adept at finding loopholes that allow them to withhold PIP payments. Sometimes what happens is that a person might not feel the need to see a doctor right away after the accident but then a few days later realizes their back hurts so much they cannot go to work. Alternatively, a client might not even know what the PIP coverage entails and needs clarification. The insurance company will try to deny the claim because they will say the client waited too long after the accident to seek medical care. When insurance companies withhold payments, it is up to the client to protest their denial of claim. Hiring a PIP lawyer is no guarantee the insurance company will pay out on the claim but it will certainly increase the chances of success.