Both personal injury protection (PIP) and bodily injury (BI) pay for medical bills and expenses resulting from an accident, but they differ depending on where you live, who's at fault, and whose bills need to be covered. Bodily injury comes into play if you're at fault in an accident and pays the bills for others involved in the accident. Personal injury protection is available in no-fault insurance states and covers your expenses no matter who is at fault in the accident.