Personal Injury Protection (PIP) is a type of car insurance coverage that covers medical expenses, lost wages, and other related costs if you or your passengers are injured in an auto accident, regardless of who is at fault. PIP is also known as "no-fault insurance" and is mandatory in some states and optional in others. PIP coverage can help cover expenses such as your health insurance deductible, lost wages, and replacement services for tasks you cannot perform due to your injuries, such as child care or house cleaning. The coverage has a per-person maximum, meaning that coverage is limited to a certain amount per person if multiple people are injured in an accident. If the cost of necessary medical care exceeds the auto insurance policys PIP limits, health insurance sometimes covers further expenses. The rules for filing a PIP claim can vary by state, but generally, if you have PIP, you file a claim with your own car insurance company, no matter who caused the accident.