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What is PIP Insurance? 

Personal Injury Protection (PIP) coverage is the portion of a car insurance policy that provides medical expenses and work loss coverage for you and your passengers after a car accident, regardless of fault. PIP coverage is often a requirement in "No-Fault" states, as it covers your injuries, no matter who caused the accident.

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You should purchase PIP coverage if:
  • State law requires it.
  • You commonly drive with passengers in your vehicle who could hold you responsible for their medical expenses if they were injured in an accident.
  • You don’t have a great health insurance plan. A robust health insurance plan makes high PIP limits less necessary. If in doubt, check with your healthcare provider.

What does PIP cover?

Personal injury protection insurance is a “no-fault” coverage that covers the cost of injuries to you and your passengers. PIP is intended to reduce the likelihood of lawsuits after a collision. Even if you are at fault in an auto accident, medical expenses — medical and surgical treatment, ambulance fees and medication — for you and your passengers will be covered up to the policy’s limit.

Personal injury protection coverage replaces the standard bodily injury liability portion of an insurance policy. PIP can also be used to recover lost wages, rehabilitation services and more.

PIP insurance covers:

  • Medical bills
  • Surgical fees
  • Ambulance fees
  • Lost wages
  • Rehabilitation services
  • Funeral expenses
  • Death benefit
  • Essential services (lawn care, etc...)
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PIP coverage limits

PIP benefits and coverage vary depending on the location of the insurance policy. In Florida, PIP insurance will typically cover 80% of medical bills and 60% of lost wages, up to $10,000. In other states, PIP coverage levels can be much higher or much lower.

Drivers in Michigan, however, have much higher PIP limits. This is one of the main reasons car insurance is expensive in Michigan.

Average PIP insurance costs

The cost of PIP insurance depends on factors such as coverage level, age, type of vehicle, your insurance company, and location. The data below is reflective of a 30-year-old male driver with no accident, good credit, and the owner of a 2016 Honda Civic.

StateAvg PIP Premium6-Month Premium
New Jersey$169$714
North Dakota$45$695
New York$129$695


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What PIP doesn't cover

Because PIP does not provide coverage for physical damage to the insured driver's vehicle, it does not provide coverage after an at-fault accident.

Find below a list of other exclusions. 

PIP does not cover:

  • Property damage liability insurance: Damages the insured causes to another person's property (including vehicle damages).
  • Collision coverage: The damage to the insured's vehicle in an at-fault accident.
    Comprehensive coverage: The damage to the insured's vehicle caused in a non-collision incident.
  • Uninsured/underinsured motorist coverage: This coverage can be applied to property or bodily injury protection. While it's possible to purchase uninsured property damage coverage to protect a vehicle if the at-fault party does not have insurance, PIP provides the coverage necessary for uninsured bodily injury coverage.
  • Expenses beyond the policy's coverage limits.

States in which PIP insurance is required

While 21 states offer some level of personal injury protection (PIP) coverage, only 13 states require it:


PIP requirements by state

Find below the required amounts of PIP coverage in various U.S. states. 

PIP Coverage in Delaware Zebra Shield
PIP coverage in Delaware

Limit: $15,000 per person

Delaware PIP insurance will cover up to $15,000 for any single person's injuries and will pay a total of $30,000 per accident. This coverage also includes up to $5,000 for funeral expenses.

Personal injury Protection in Florida
PIP coverage in Florida

Limit: $10,000 per person

PIP coverage in Florida covers 80% of your medical and disability expenses up to $10,000. It will also pay up to $5,000 in death benefits in certain circumstances. 

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PIP coverage in Kansas

Limit: varies

PIP coverage in Kansas covers the following:

  • $4,500 medical expense per person
  • $900 per month income loss for one year
  • $25 per day at-home services
  • $4,500 rehabilitation expense per person
  • $2,000 funeral expense per person
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PIP coverage in Massachusetts

Limit: $8,000 per person/per accident

Massachusetts personal injury protection is the primary payer for the first $2,000 in medical expenses. Afterward, the driver's personal healthcare coverage kicks in with PIP coverage acting as the secondary payer. 

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PIP coverage in Michigan

Limit: varies

Michigan recently enacted laws changing their PIP requirements in an effort to bring down car insurance rates. PIP coverage is still required (in almost all cases), but is now available in the following amounts:

  • Unlimited PIP coverage 
  • $500,000
  • $250,000
  • $50,000 (lowest option available for Medicaid recipients)
  • Opt-out (only drivers with a qualifying health insurance plan that covers car accident injuries)
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PIP coverage in Minnesota

Limits: $40,000 per person/per accident

Minnesota personal injury coverage limits are higher than in most states. The $40,000 limit breaks down as such:

  • $20,000 for hospital/medical expenses 
  • $20,000 for non-medical expenses
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PIP coverage in New Jersey

Limit: $15,000 PIP coverage per person

New Jersey personal injury protection covers up to $15,000 in medical expenses per accident. Further add-ons to PIP coverage include:

  • Income continuation
  • Essential services (house cleaning, lawn care, etc...)
  • Death benefit
  • Funeral expenses
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PIP coverage in New York

Limit: $50,000 per person

New York PIP coverage also includes a $2,000 death benefit in addition to the $50,000 in coverage for medical expenses. 

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PIP coverage in North Dakota

Limit: $30,000 per person

In addition to medical expenses, North Dakota personal injury protection also covers lost wages and funeral expenses. 

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PIP coverage in Oregon

Limit: $15,000 per person

Additionally, Oregon PIP insurance covers loss of wages up to $3,000 per month, essential services, childcare, and a death benefit of up to $5,000.

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PIP coverage in Pennsylvania

Limits: $5,000 per person

Those injured may sue the at-fault driver, but the injuries suffered must be severe. 

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PIP coverage in Utah

Limit: $3,000

Those injured may sue the at-fault driver in cases of severe injury or if medical expenses are in excess of $3,000. Further benefits include:

  • Lost wages coverage (Up to 85% or $250/week)
  • Essential services
  • $1,500 for funeral expenses
  • $3,000 death benefit

States where PIP coverage is optional

The following states offer personal injury protection, but it is not required of all drivers. This coverage must often be waived in writing. 

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Recent Questions:

Can I sue my boyfriend's insurance for medical coverage?

Sorry to hear that you were hurt. If you are on the insurance policy you can file a claim under the Personal Injury Protection (PIP) coverage.
Oct 17, 2018 Hammond, LA

Does car insurance cover my passengers?

In the state of Maryland, drivers are required to carry at least $2,500 in PIP coverage, as well as $30,000 per person and $60,000 per accident worth of uninsured motorist coverage in addition to liability. So, if you were hit by another driver and someone in your vehicle suffered injury, the other driver's liability coverage would pay for the injuries suffered inside your vehicle. If the other driver happens to be driving without car insurance, you and your passengers would still be covered by your policy because of the state-required uninsured motorist coverage.
Jun 18, 2016 Baltimore, MD

Will my insurance decrease after my PIP claims expire?

A Personal Injury Protection (PIP) claim, will impact your rates for up to three years. Unfortunately, in Florida, there have been many fraudulent PIP claims that have caused the cost of insurance to rise, especially when you do have a PIP claim.
Jan 25, 2019 Pensacola, FL

What is the difference between Medical Payments and Personal Injury Protection?

Great question! While there are similarities between Medical Payments coverage and Personal Injury Protection (PIP), they are not the same. PIP will provide coverage for injuries suffered by you and any passengers in your vehicle, regardless of fault, up to the limit that you purchased.
Jun 6, 2016 Longview, TX

Ava Lynch
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Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.