Personal Injury Protection (medical payments coverage) covers you, family members in your household, drivers of your vehicle, as well as passengers, and the injuries you, and any of the aforementioned, in your vehicle, sustain during an accident.

The expenses covered could include medical, funeral, lost wages, etc. Your injuries, as the policyholder, and the injuries of any passengers with you in your car, or if struck by a vehicle as a pedestrian, are covered.

Personal Injury Protection is not available in all states and is limited to what is set out in the insurance policy.

When shopping for car insurance quotes find out what the requirements are, as well as what is available in your state. Personal Injury Protection is also available for ones that largely travel with others and are concerned about coverage in an emergency.