Hi, this is Tim with Haymaker Insurance in Federal Way Washington and here's a quick overview on Personal Injury Protection on your car insurance policy What PIP covers is yourself and your passengers medical and lost wages in the event of an accident within limits; regardless of who's at fault coverage applies if it's on your policy

Where this is different than your typical health care coverage is health care coverage typically has deductible and it only covers yourself and your immediate family members You may have passengers in your vehicle that aren't on your health care policy, so this would extend to them within the limits – again $10,000 or $35,000 coverage for medical and lost wages This is why I think you need Personal Injury Protection Thank you for taking a look Bye bye