Personal Injury Protection (PIP) is a coverage that is included in all standard insurance policies in NJ. It offers first-party benefits to injured policyholders in auto accidents, regardless of who was at-fault. If you were injured in a car accident, whether you were the driver, passenger or even a pedestrian, you may be able to make a claim for medical benefits under your own PIP coverage. PIP may also cover other expenses, such as lost wages and essential services depending on the coverage selected.