Personal Injury Protection, called “PIP” and MedPay are no fault accident insurance policies that are often sold with your car insurance. The main differences between Personal Injury Protection and MedPay is that PIP covers reasonable and necessary medical expenses and 80% of your lost time from work up to the PIP policy limit. It is possible to stack PIP insurance policies to recover more money for your medical bills and lost wages. MedPay is an accident insurance policy that covers reasonable and necessary medical expenses up to the policy limit. It does not cover lost wages. Also, once you receive a judgment or settlement against the negligent party, your PIP insurance carrier only receives it money back if it also paid for damages through your liability coverage. MedPay does have a right of subrogation, meaning in many cases, a right to be paid back what it has paid.. If you have questions regarding PIP or MedPay contact us so that we can review the specific facts of your case with you.