What personal injury protection (PIP) doesn't cover

It doesn’t cover injuries caused by using:

  • Farm equipment
  • Recreational or off-road vehicles
  • Mopeds
  • Motorcycles (PIP coverage may be available on motorcycle policies and is very expensive)

It doesn't cover services that your insurance company decides are not:

  • Reasonable;
  • Necessary;
  • Related to the accident; or
  • Incurred within three years of the auto accident.

It also doesn’t cover:

  • Intentional injuries caused by the insured person;
  • The insured person if they're injured in organized racing activities, or
  • An insured person while they commit a felony.

Updated 03/27/2014

See also

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