Does PIP Cover Auto Insurance? 
PIP is mandatory in some states . PIP stands for Personal Injury Protection and it covers you and or a passenger . You can select full PIP coverage or limited PIP coverage which would just cover a passenger . Most companies offer limits of $ 2,500 or $ 5,000 . States with mandatory PIP coverage Delaware Florida WEBSITELINK Hawaii Kansas Kentucky Maryland -LRB- unless a waiver is signed at initial purchase of the policy -RRB- Massachusetts Michigan Minnesota New Jersey New York North Dakota Oregon Pennsylvania Texas -LRB- unless a waiver is signed at initial purchase of the policy also known as the exclusion agreement -RRB- Utah Washington -LRB- unless a waiver is signed at initial purchase of the policy -RRB- 