What is Personal Injury Protection (PIP) coverage?

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In a "no-fault" state, Personal Injury Protection is the basic coverage that pays for your own medical, hospital and funeral expenses, as well as those of your passengers and any pedestrians. Lost wages and other accident-related expenses may also be covered. PIP payments are not based on who is driving the car, nor who is at-fault for the accident. State laws vary considerably and there are very strict rules in each no-fault state for how much coverage is offered, how to file a PIP claim and what's covered.