Quoted from https://www.dmv.org/insurance/personal-injury-protection.php

Personal injury protection (or PIP, for short) is a type of medical payments coverage added on to an auto >insurance policy that provides you, the policyholder―as well as your passengers, relatives living in your home, >and drivers authorized to operate your vehicle―with medical coverage for immediate and subsequent injuries >sustained during an auto accident.

 

PIP also covers you and your family if you’re injured in a car accident while in someone else’s vehicle and, in >some states, if you’re struck by a vehicle while you’re a pedestrian.

So if everyone you are driving with is covered by Personal Health Insurance, you may not need to go for this.

Quoted from https://www.dmv.org/insurance/personal-injury-protection.php

Personal injury protection (or PIP, for short) is a type of medical payments coverage added on to an auto >insurance policy that provides you, the policyholder―as well as your passengers, relatives living in your home, >and drivers authorized to operate your vehicle―with medical coverage for immediate and subsequent injuries >sustained during an auto accident.

PIP also covers you and your family if you’re injured in a car accident while in someone else’s vehicle and, in >some states, if you’re struck by a vehicle while you’re a pedestrian.

So if everyone you are driving with is covered by Personal Health Insurance, you may not need to go for this.