For Consumers

What personal injury protection (PIP) doesn't cover

It doesn’t cover injuries caused by using:

  • Farm equipment,
  • Recreational or off-road vehicles,
  • Mopeds, and
  • 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.