by a vehicle is covered under that vehicles liability. Many states that do not have PIP have auto medical payments (AMP) coverage, and some states have both. AMP is also a first-party coverage, without regard to liability, but is only subrogable in a few states, and generally optional. AMP and PIP limits range from $1,000 to $250,000 depending on the injury and the state, though many insurance providers have a relatively low limit of $5,000. A Michigan no-fault policy provides unlimited medical and rehabilitation benefits.) Claimants involved in an auto accident are wise to submit their own insurance information to their medical providers, as third party carriers are under no legal obligation to pay a claimant's medical bills, while first party carriers are. Third party carriers are subject to payment only after a judgment against them, and any payments prior to that are considered voluntary. Settling a claim with a third party carrier is considered a voluntary payment. States with mandatory PIP coverage Delaware Florida Hawaii Kansas Kentucky Maryland (unless a waiver is signed at initial purchase of the policy) Massachusetts Michigan Minnesota New Jersey New York North Dakota Oregon Pennsylvania Utah Certain states require insurance companies to offer PIP coverage, but allow the insured to reject it in writing: Washington Once you reject the coverage it stays that way until you request it be added or start a new policy. Texas Arkansas is optional Other coverage Personal injury protection could also refer to personal injury insurance or coverage, which is insurance in any context which includes coverage for personal injury, particularly coverage for emotional distress (typically negligent infliction of emotional distress rather than intentional infliction of emotional distress), libel, or defamation as opposed to coverage for only bodily injury. Home insurance typically includes coverage for liability arising from bodily injury, especially on an insureds' premises, but not from liability arising from mental injury. Coverage from mental injury can be included and is typically called "personal injury" coverage. References Vehicle insurance