Burned by a non-crash fire
If you’re inside a car that catches on fire and you get burned, PIP and medical payments will cover your injuries even if the fire didn’t start from a car crash. However, if your burns are quite severe and your PIP or MedPay limits are exceeded, you will have to look to your health insurance.
The NHTSA estimates that 2,000 people are hurt by non-crash vehicle fires each year.