"Add-on" No-Fault Laws — statutes applicable in some states that allow the addition of personal injury
protection (PIP) coverages to auto insurance policies without limiting an
injured party's right to sue in tort. In some of these "add-on"
states, purchase of these personal injury (PI), or "no-fault,"
coverages is mandatory. In others, purchase is at the insured's option,
although insurers are required to offer them.