My agent told me I don’t need Pip coverages.

Thank you for your question. PIP coverage is “Personal Injury Protection” coverage. We always advise to obtain this coverage. PIP will pay out regardless of fault. So if you are driving and you cause an accident and it is your fault, you can still obtain a PIP payment. The additional great thing about PIP is that it covers each person in the car! So if you are alone you can collect on it, if you have 8 people, each person can obtain it.

PIP pays for specific things. Those are: 1. Lost wages, 2. Medical Bills, 3. Domestic Hired Help, 4. Funeral Expenses.

Please give us a call if you need more clarification or just post your question here.