Depending upon where you live, you may need personal injury protection or PIP. Personal injury protection is typically used in no-fault states. Your insurance will pay for your injuries up to your PIP limit in these states. Only after that threshold has been exceeded may you be able to sue the other party. Personal Injury Protection coverage will pay for you and your passenger’s medical costs and loss of income related to the accident, regardless of whose fault the accident was. Even if this coverage is not required, if available, this may be useful protection if you do not have excellent health insurance coverage to rely on, which may also cover some of these costs.