PIP insurance functions differently than traditional forms of car insurance. Instead, it focuses specifically on bodily injuries. Georgia is an at-fault state, which requires the other driver to pay for your damages if you were at fault. However, when you are at fault and have to cover your damages, PIP insurance helps fill in the gap. Your insurance coverage will only reimburse you for some of your damages and, in many cases, does not cover medical bills depending on your policy. You can find out more from legal professionals.