PIP insurance provides $20,000 for necessary medical expenses arising from your car accident. This includes payments for emergency transportation and treatment, hospitalizations, surgical procedures, and rehabilitation services. To receive coverage, you must file your claim within six months of your accident.
PIP provides another $20,000 to pay for non-medical expenses, such as your lost wages and the value of replacement services. PIP does not cover your property damage costs or damages for your pain and suffering.
If a covered party passes away from a car accident injury, PIP will pay medical expenses and an additional $2,000 for their funeral and burial costs. Yet, it does not cover other wrongful death-related damages.