Personal injury protection is designed so that everyone involved in the accident is covered for damages. It pays those who were harmed with no respect to the party at fault. It covers medical expenses, both for the initial treatment and ongoing treatment, if needed.

Although it varies in policy description, the coverage often extends to reimbursement of lost wages and emotional injury. Even in the states that do require the owners of vehicles to carry PIP, the amount of minimum coverage varies from state to state. The states that do not have this requirement have similar coverage called Auto Medical Payments Coverage. (AMP)