What Is a PIP Claim?

A PIP claim is a claim for benefits under Personal Injury Protection coverage. PIP is often described as no-fault insurance because it can pay certain accident-related expenses for an insured person regardless of who caused the collision, subject to state law and the policy. Depending on the jurisdiction, PIP benefits can include medical expenses, a portion of lost wages, essential services, or other specified losses. PIP requirements and benefit limits vary considerably between states. Some states require PIP coverage, some make it optional, and others use different systems. A PIP claim is generally made with the applicable auto insurer rather than the at-fault driver’s liability insurer. Deadlines, treatment requirements, medical examinations, and documentation rules can apply. Receiving PIP benefits does not necessarily prevent an injured person from pursuing additional compensation from an at-fault party, but the right to do so depends on local law and the circumstances.