Personal Injury Protection (PIP) is coverage you purchase with your auto insurance policy that covers medical expenses and lost wages as a result of injuries sustained in a car accident. This coverage is applicable regardless of whose at fault in the accident. Medical Payments coverage (Med-Pay) also provides coverage regardless of whose at fault in the accident. However, Med-Pay only covers medical bills (not lost wages). There are even more important differences between PIP and Med-Pay that every person should be aware of.


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