Personal Injury Protection Insurance

Personal Injury Protection (PIP or No Fault) pays 80 percent of all necessary and reasonable medical expenses incurred as a result of a covered injury, regardless of who caused the accident.

PIP also pays 100 percent for necessary and reasonable replacement services that are required by an outside person due to the injured person being unable to perform such duties or services. Examples of, but not limited to, are: cleaning, cooking, and yard maintenance

PIP pays 60 percent of work loss and has a death benefit of $5,000.  The mileage is usually paid at the standard rate allowed by the I.R.S. All PIP benefits are subject to the deductible, if any, except the death benefit.

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