What Is Personal Injury Protection (PIP) Insurance? | Stewart Law Offices
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What Is Personal Injury Protection (PIP) Insurance?


Personal Injury Protection, also known as PIP, is a type of car insurance that covers medical expenses and, in some cases, lost wages and other damages. Often called “no-fault” coverage because it is meant to be paid without regard to legal liability or fault, PIP is mandatory in 17 states and optional in others.

PIP insurance is not mandatory in South Carolina, but you can choose to add it to your vehicle’s insurance policy. As personal injury attorneys who fight everyday with insurance companies to give our clients the claim payouts they need and deserve, we see firsthand how important it is to have adequate coverage on your car. We believe it is a good idea in South Carolina to choose PIP coverage as a part of your overall insurance package. Too often, a person injured after an auto accident does not have enough coverage on their own policy to pay all their medical bills and lost wages, and was hit by a person with inadequate or no insurance at all.

While PIP is optional, it is worth remembering that state law does require Uninsured Motorist coverage. In South Carolina, drivers must have uninsured coverage: at least as much as the liability coverage on the vehicle. Insurance companies must offer underinsured motorist coverage, but drivers can reject underinsured coverage.

Both UM/UIM coverage is designed to help safeguard against damages caused by a driver who does not have insurance of their own. UM/UIM coverage is an important topic which we have discussed in a previous newsletter, but even UM/UIM coverage is often not enough after a serious accident.


Just last month, two women and a child were critically injured when their car ran off the right side of the road, striking a tree and flipping. In another horrifying accident last month, two women died and four other people were injured in a crash involving a car and a tractor-trailer on I-95 near the town of Emporia. A driver rolled through a stop sign, and underneath a passing semi. Six people were in the car and none of them were wearing seatbelts. One of the occupants, a 20-year-old woman, died at the scene. Another passenger died at the hospital.

If these drivers had PIP coverage, they could receive reimbursement for medical expenses and lost wages (depending on the limitations of the policy) regardless of whether or not the accident turned out to be their own fault.


Drunk drivers are frequently found to be uninsured drivers; there is perhaps a correlation between irresponsible decisions when it comes to drunk driving and lack of insurance coverage. Unfortunately, drunk driving accidents occur on South Carolina roads with some regularity, and it is usually innocent motorists who pay the price. It is worth considering adding PIP coverage to new or existing insurance policies to protect yourself and your family.


At Stewart Law Offices, LLC, we can help you navigate the complex world of insurance claims. If the insurance company is not willing to pay out the claim to make the client whole or to cover the damages, we are willing to go to court to protect our clients’ rights. Call our injury lawyers at any time or fill out the contact form on our site for a free consultation.



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