Personal Injury Protection is designed to cover medical costs and lost wages for you and the eligible occupants in your vehicle at the time of an accident. It does not cover the occupants of the other vehicle involved, if any, in the accident. Their own PIP coverage is required to cover their costs. PIP will cover costs regardless of who is at fault. It will also cover your children, other members of your household, and occupants lacking PIP coverage who don’t own a vehicle.