Personal Injury Protection, or PIP, coverage is a type of insurance coverage that is not mandatory in Nevada, but that may be a good idea to carry. Called MedPay coverage (medical payments coverage) in our state, MedPay is an insurance add-on that is completely optional.
The reason that adding PIP/MedPay coverage to your insurance policy is a good idea is this: if you are involved in an accident and suffer an injury, your MedPay coverage will pay for your injuries regardless of fault. This is important because if you do not carry MedPay/PIP coverage, you can only recover compensation for your injuries from an insurance company if a) the other driver was at fault for your accident; and b) the at-fault driver carries bodily injury liability insurance (or you have uninsured motorist insurance).
Another benefit of MedPay coverage is that it will provide you with coverage if you are struck by a motor vehicle while acting as a pedestrian. The coverage is purchasable in a number of different coverage amounts, starting at $1,000 and ranging to up to $10,000 per accident.