Personal injury protection is not the same as liability insurance. With PIP, medical costs are covered for the policyholders and anyone in their vehicle at the time of the incident, no matter who is at fault.
With liability insurance, medical costs are covered for the third-party, not the policyholder, if it is determined that the policyholder is at-fault.
Personal Injury Protection (PIP) Liability Insurance
Covers the medical expenses from an accident for anyone in the policyholder’s vehicle no matter who is at-fault Covers medical expenses of a third-party if the policyholder is at-fault.
Required in 16 states Required in all states.
Does not cover property damage Covers property damage to a third-party’s property if the policyholder is at-fault; does not cover damage to your property.
Liability insurance pays for injuries caused to another party, such as a pedestrian or the driver and occupants of another vehicle. It does not cover your own medical expenses if you caused the accident.
