A type of auto insurance coverage that many people opt for is personal injury protection, or PIP. It is mandatory in 16 States, so be sure to inquire about it, or consult your local agent. PIP is a lot like bodily injury insurance, but it is even broader. In most cases it covers every one of your passengers, and it also helps cover medical expenses. A lot of the time it is referred to as no-fault coverage. Check to see if it is optional and it may be something worth adding to your policy. For the best rates on PIP call your local Geico agent for auto insurance in Charlotte.