PIP insurance pays a per-person benefit for injuries you and others specified in your policy sustain in an auto accident. Basic personal injury car insurance coverage is for the insured's own injuries on a first-party basis, without regard to fault. Parties typically covered by PIP include: Policyholder Policyholder’s relatives in the same household Passengers (if they don’t have their own PIP coverage to place a claim under) Other authorized drivers of your insured vehicle Policyholders and family members if they are injured while riding in someone else’s car Policyholders and family members if struck by another vehicle when a pedestrian (in some states).