Personal Injury Protection coverage, or bodily injury coverage, applies to medical bills and lost wages. Medical payments coverage is limited to, wait for it, medical payments. Neither form of auto insurance is mandatory in Nevada. But it’s usually a good idea to buy such coverage. The premiums are usually small and the coverage limits are usually high. PIP and MP are both good gap policies. Assume Jim’s accident-related medical bills are $50,000 and the other driver was uninsured. If Jim doesn’t have a PIP or MP policy, he could be financially responsible for those costs, even if the other driver was entirely at fault.