Personal injury protection, or no-fault insurance

Personal injury protection – or PIP – is often referred to as no-fault insurance because covered claims are paid regardless of who is at fault in an accident.

Key points about PIP no-fault insurance:

  • If you're in an accident, PIP covers you, your family and any passengers.
  • PIP pays for covered medical and hospital expenses, and may pay for lost wages and expenses for childcare or household-related services while you're recovering.
  • It may also pay for funeral expenses.

If you live in a state where PIP is required by law, your auto insurance policy should include this no-fault insurance. Contact a Travelers representative to learn what's required in your state.

Coverages vary by state. In some states medical payments are covered under medical payments coverage.

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The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, features, deductibles and repair options are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT, 06183. For a complete list of personal insurance underwriting companies, click here.

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