PERSONAL INJURY PROTECTION COVERAGE or PIP pays if you or other persons covered under your policy are injured in an automobile accident. It is often called NO-FAULT coverage because it pays your own medical expenses no matter who caused the accident. PIP coverage has two parts:

Medical expense coverage

Extra PIP package coverage

Even if you choose one of the lower PIP limits, you will be covered for medically necessary treatment above the limit and up to $250,000 for permanent or significant brain injury, spinal cord injury or disfigurement or treatment of other permanent or significant injuries rendered at a trauma center or acute care hospital immediately following the accident and until a doctor says that you no longer require critical care.