> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Personal injury protection (PIP)

> What personal injury protection (PIP) coverage on an auto policy pays for, why it applies regardless of fault, and why Minnesota requires PIP.

**Personal injury protection (PIP)** pays your medical bills and lost wages after an accident, regardless of fault, up to policy limits. Minnesota requires PIP on auto policies.

State minimums are often insufficient for serious injuries. Review limits with a licensed agent.

## Related terms

* [No-fault insurance](/learn/no-fault-insurance)
* [Medical payments (MedPay)](/learn/medical-payments)
* [Auto insurance](/learn/auto-insurance)

## Further reading

* [Minnesota Commerce — Auto insurance](https://mn.gov/commerce/consumers/your-home/auto-insurance/)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=personal-injury-protection)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=personal-injury-protection)


## Related topics

- [Medical payments (MedPay)](/learn/medical-payments.md)
- [No-fault insurance](/learn/no-fault-insurance.md)