Personal Injury Protection or better known as "PIP" is a mandatory coverage that protects you and anyone in your vehicle or someone who has permission to use your vehicle. It also covers you if your injured in another vehicle besides your own or if your hit as a pedestrian. Coverage is provided by your own insurance carrier. Reimbursement is also made if you need to hire someone (non-family) "replacement services" to do certain jobs that you can no longer do because of the accident (i.e. house cleaning).