Personal Injury Protection benefits (“PIP”) normally covers your medical bills that are reasonably related to an auto accident regardless of your fault. If you have private health insurance, PIP will pay for the first $2,000. If you don’t have private health insurance, PIP will pay up to $8,000.
If you’re driving under the influence, though, and your drinking contributes to accident-related injuries, then your insurance company doesn’t have to pay under PIP. Your policy has a very specific exclusion that states: “We will not pay PIP benefits to…anyone contributed to his or her injury by operating an auto while under the influence of alcohol, marijuana or a narcotic drug.”