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Please consult a tax or legal advisor for advice regarding your personal circumstances. Personal Injury Protection (PIP) is the most basic no-fault coverage. This coverage pays for the losses incurred due to injuries to anyone riding in your car a minimum benefit amount per person for injury regardless of fault. The level of benefits varies widely among states. See include all reasonable charges for medical, hospital, surgical, professional nursing, dental, optometric, ambulance, prosthetic services and X-rays.