When is the Personal Injury Protection (PIP) Endorsement added to a PAP?

• A. In states where no-fault auto insurance is available, by adding PIP endorsement
• B. In all states by default
• C. Only in states without any no-fault options
• D. Only upon the insured's explicit request after a loss

Answer: (A)

The PIP endorsement is added to a Personal Auto Policy in states that have no-fault auto insurance. In those states, benefits for medical expenses and related losses are provided through PIP, so the PAP includes this endorsement to supply personal injury protection. It isn’t automatic in all states, and it isn’t something that’s only added after a loss or only in states without any no-fault options. Instead, the endorsement is attached when the policy is issued in a no-fault state (and may be required or optional depending on state law), giving the insured access to PIP benefits regardless of who is at fault.