Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like EMT expenses, nursing services, surgery, ambulance fees and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage