What is the difference between Medical coverage and Personal Injury Protection (PIP)?

Personal injury protection is coverage for any person in your vehicle that is injured in an accident – whether you are at-fault or not. PIP coverage is more extensive than medical coverage which only covers medical expenses. PIP can be used to cover rehab or chiropractic costs, replace lost wages, or cover services such as laundry or housecleaning while you recover. PIP also covers you if you are hit as a pedestrian or cyclist, and covers funeral expenses in case of death.

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