Personal Injury Protection (PIP) is an extension of car insurance that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage, because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard to "fault," or more properly, legal liability.  PIP coverage may vary from state to state in terms of both what is covered and what types of treatments are considered customary and reasonable. PIP coverage covers medical expenses up to $250,000 but individuals can elect to have lower PIP coverage.  Individuals can also opt to have their personal health insurance cover them under the auto policy.  However, the health insurance plan may not cover auto accidents and may not provide coverage for all family members.