Personal Injury Protection (PIP)
What it pays:
Medical and funeral bills resulting from an accident, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person.
Who it covers:
You, your family members, and passengers in your car, and other injured people, regardless of who caused the accident.
Your insurance company will automatically give you PIP coverage, but you may reject it in writing if you don’t want it. The company must offer you $2,500 in PIP, but you can buy more.