# What is personal injury protection?

> Personal injury protection can pay covered medical expenses and certain other costs after an auto accident, regardless of fault.

Glossary date: February 16, 2026.

## How it works

Depending on state law, PIP may also address lost income, essential services, or funeral expenses. Benefits and requirements differ by state.

## Example

You are injured in a covered crash and receive hospital care. PIP may pay eligible expenses up to the policy limit and subject to its rules.

## Why it matters

PIP can affect which insurer pays medical bills first and which expenses qualify.

## What to check on your policy

Check the limit, deductible, covered people, excluded expenses, and any deadlines for treatment or notice.

Coverage, definitions, limits, and legal requirements vary by policy and state. Your declarations page and policy forms control your coverage.

## Related terms

- [Medical payments coverage](https://locations.goautoinsurance.com/car-insurance-glossary/medical-payments-coverage.md)
- [No-fault insurance](https://locations.goautoinsurance.com/car-insurance-glossary/no-fault-insurance.md)
- [Coverage limit](https://locations.goautoinsurance.com/car-insurance-glossary/coverage-limit.md)

- [Car insurance guide](https://locations.goautoinsurance.com/car-insurance-guide.md)
- [Complete glossary](https://locations.goautoinsurance.com/car-insurance-glossary.md)