Understanding PIP Coverage in Pennsylvania: Who Pays Your Medical Bills After a Crash

Pennsylvania's no-fault system means your own insurer pays first — even if the other driver caused the crash. Here's how PIP works.

What PIP Covers

Personal Injury Protection (PIP) is mandatory in Pennsylvania and pays your medical bills after a crash regardless of fault, up to your policy limits. It can also cover certain other expenses depending on your coverage. The minimum is $5,000 in medical benefits, though many drivers carry more.

PIP Applies Even to Pedestrians and Cyclists

If you own a vehicle, your PIP coverage typically follows you — meaning it can pay your medical bills even if you were hurt as a pedestrian or cyclist rather than while driving. Many injured people do not realize this and miss out on benefits they are entitled to.

PIP and Your Injury Claim

PIP pays medical bills, but it does not cover pain and suffering or lost wages beyond certain limits. For those, you may need to pursue the at-fault driver, subject to your tort election. Coordinating PIP with a third-party claim is something an attorney handles routinely.

Maximizing Your Benefits

Knowing your PIP limits, stacking options, and how PIP interacts with health insurance can significantly affect your out-of-pocket costs. A review of your coverage after a crash ensures you use every benefit available to you.

This article is for general information only and is not legal advice. Laws change and every case is different. For advice about your specific situation, consult a licensed Pennsylvania attorney.