What is Personal Injury Protection (PIP)?

Personal Injury Protection (PIP), sometimes referred to as “No Fault” is coverage provided on a standard auto liability policy that covers medical expenses, lost earnings and other related expenses for drivers, passengers and pedestrians. Please note that drivers for TLC vehicles may be ineligible for this coverage. Drivers affiliated with Black Car Bases (such as Uber, Lyft, etc) are typically covered under the Black Car Fund, see here for more information. Drivers affiliated with a Car Service/Livery Base (most Green Taxis) are typically covered under the Independent Livery Driver Benefit Fund (ILDBF) – see here for more information. These funds provide similar, but not exact coverage as PIP. Make sure you review your base’s membership, coverage, exclusions and terms. For the most comprehensive driver coverage, you may want to consider workers compensation insurance. Feel free to contact us for more information.