What does personal injury protection mean Meaning and Definition

Pronunciation

🔊

Part of Speech

Noun

Definition

A type of insurance coverage that provides financial protection to individuals who have been injured in an accident, regardless of fault. It covers medical expenses, lost wages, and other related costs.

Examples

• If you’re involved in a car accident, personal injury protection can help cover your medical bills.
• Having personal injury protection insurance can provide peace of mind.

Synonyms

• Injury protection
• Medical coverage

Antonyms

• Medigap
• Disability insurance

Etymology

The term “personal injury protection” originated in the 1990s as a response to the growing need for individuals to have financial protection in the event of an accident, regardless of fault.

Additional Information

Personal injury protection is often mandatory in some states and is typically optional in others. It’s important to review your insurance policy to understand what’s covered and what’s not. Additionally, personal injury protection can also provide coverage for funeral expenses, loss of earning capacity, and other related costs.

In some cases, personal injury protection may also be referred to as “PIP” or “no-fault insurance”. This type of coverage is designed to provide financial protection to individuals who have been injured in an accident, regardless of who was at fault.

Personal injury protection is not the same as liability insurance, which covers damages to others’ property and injuries caused to others. It’s important to understand the difference between the two and how they work together to provide comprehensive coverage.

Usage Notes

Personal injury protection is often used in the context of insurance policies, but it can also be used more broadly to refer to any type of financial protection provided to individuals who have been injured in an accident.

Cultural References

Personal injury protection has been referenced in popular culture in shows such as “Law and Order” and “The Simpsons”.

Idiomatic Expressions or Phrases

“Personal injury protection is like having a safety net” (idiomatic expression)

Related Words or Phrases

• Insurance
• Accident
• Medical coverage

Collocations

• Personal injury protection coverage
• Auto insurance with personal injury protection

Frequency of Use

Personal injury protection is a commonly used term in the insurance industry, with over 20% of all insurance policies including this type of coverage.

Common Misspellings

• Personal Injury Protecin
• Personal Injury Proction