Personal injury protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages.
In Texas, PIP coverage will cover medical expenses, eighty percent of lost wages, and someone to take care of the injured party.
Some states PIP is the insurance of first resort to pay for medical bills when injured in an automobile accident.
[3] This generally leaves the claimant/insured in a much better financial position, because his or her medical bills are paid, and the insurance carriers get to fight it out on their own, and after the fact.
AMP is also a first-party coverage, without regard to liability, but is only subrogable in a few states, and generally optional.