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Personal Injury Protection (PIP)


What it pays: Same as medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person.

Who it covers: You, your family members, and passengers in your car, regardless of who caused the accident.

An insurance company must offer you $ 2,500 in PIP, but you can buy more. If you don’t want PIP, you must reject it in writing.