What is Personal Injury Protection (PIP) in Auto Insurance?
Before you can understand personal injury protection, you need to know the difference between tort and no-fault recovery. In states that follow a tort-based system, the person who causes a motor vehicle accident is primarily responsible for paying for your injury-related expenses and vehicle repair costs. Conversely, in no-fault states (Florida), each person’s insurance coverage is primary, particularly when it comes to paying for medical and hospital expenses. This means that your policy will pay for your injuries first and the at-fault driver’s liability coverage will kick in after your limits have been exhausted.