IN PLAIN ENGLISH

Personal injury protection (PIP) covers medical expenses for you and your passengers after an accident.

 

What is PIP Insurance? 

Personal Injury Protection (PIP) coverage is the portion of a car insurance policy that provides medical expense 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. 

You might choose PIP insurance if…

  • 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. Comprehensive health insurance coverage renders PIP or medical car insurance less necessary. If in doubt, check with your healthcare provider.

Need PIP? Click to find the cheapest car insurance rates instantly

What does PIP cover?

Personal injury protection insurance is a “no-fault” coverage, meaning that even if you are determined to be at fault in an auto accident, medical expenses (such as medical and surgical treatment, ambulance fees, and medication) for you and your passengers will be covered up to the policy’s limit. PIP can also be used to recover lost wages and rehabilitation services.

PIP defined: how much does it cover?

PIP benefits and coverage will vary depending on the state in which you reside. For instance, 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. It's important to be aware of how much PIP insurance you need. Ask an insurance agent or your insurance company for specifics.

In which states is PIP insurance required?

Twelve states require some level of personal injury protection (PIP) coverage: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

 

states requiring no-fault car insurance

 

How much does PIP cost?

The cost of PIP insurance depends on factors such as age, type of vehicle, insurance company, and location.

Enter your zip code at the top of this page to see quotes and pricing from top insurance companies. 

 

 

Share on:


Recent Questions:

PIP claims are keeping me from getting car insurance

Jul 10, 2018

I have a couple of PIP claims and because of that, I can’t find any insurance company that will give ...

Auto-pay was enabled without my consent

Jul 06, 2018

I recently moved to Michigan and when I did, two weird things happened: my rates went up and my insurance ...

How does being rear ended affect your car insurance in a no-fault state?

Apr 17, 2018

If I get hurt on an accident at not fault, how does using my coverage affect my insurance? I got ...

Why is car insurance so expensive in Kentucky?

Apr 10, 2018

I only paid like $200 for car insurance in Indiana and moved to bfe in KY and now I’m nearly ...