PIP stand for Personal Injury Protection. It is a 1st party claim. Which means, it is a coverage that protects the driver and passengers in your car. It does NOT go to anyone else. Again, it is ONLY for the driver and passengers in your car. So if someone hits you, and the accident is NOT your fault, you can claim your PIP. If YOU hit someone, and the accident IS your fault….you can STILL claim PIP. Because it is “no fault” coverage. It doesn’t matter who is at fault.