What is the difference between bodily injury coverage and personal injury protection?

 

A: Bodily injury coverage pays for injury to another person, but does not pay for your own injury or death. This coverage protects you against lawsuits filed against you if you are responsible for the accident. Personal injury protection pays the hospital, medical and funeral expenses for you, your passengers and/or any pedestrians that you hit. Personal injury protection (PIP) insurance covers you regardless of whether you cause an accident.


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