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PERSONAL INJURY PROTECTION \u2014 Otherwise known as \u201cPIP,\u201d this is your medical coverage for injuries you (and others) suffer in an auto accident. PIP pays if you or other persons covered under your policy are injured in an auto accident.
How to claim PIP Contact the Department for Work and Pensions (DWP) and fill in the PIP1 form - they can do this for you over the phone. Fill in the 'How your disability affects you' form - you can choose to get a paper form by post or get an email with a link to an online form. Go to a medical assessment.
What does PIP cover in New Jersey? PIP covers various expenses if you're injured in a car accident. Specifically, PIP covers medical bills, lost wages, child care expenses and funeral costs. Also, because New Jersey has a no-fault law, PIP pays out no matter who caused the crash \u2014 even if it was your fault.
The minimum amount of PIP coverage you need in New Jersey is $15,000, but you can purchase up to $250,000. If you have lower limits and suffer a severe brain or spinal injury, your limits may automatically jump up to $250,000 until you are stabilized.
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