In Plain English

PIP/Medical insurance covers the cost of medical bills for you and your passengers in the event of an accident.

Posted on: Jun 03, 2015

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Personal Injury Protection (PIP) / Medical Insurance 

Commonly called PIP for short, personal injury protection insurance protects you against—you guessed it—personal injury. If you get in an accident, no matter who is at fault, PIP will cover the costs of your medical bills, as well as those of your passengers up to the limits of your policy coverage. 

You might choose PIP insurance if….

  • You drive around with lots of friends in your vehicle who could hold you responsible for their injuries in an accident
  • You don’t have a great health insurance plan. Often, having great health insurance renders PIP/medical coverage far less useful. If in doubt, check with your healthcare provider.



What does PIP insurance cover?

Personal injury protection is a “no-fault” coverage, meaning that even if you are determined to be at-fault in an 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.

How much does PIP insurance cover?

PIP coverage benefits 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, the coverage can be much higher or much lower so it's important to be aware and ask your agent about specifics.

Is PIP insurance mandatory?

Currently 15 states require some level of personal injury protection coverage: Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, and Utah.

US Map of States That Require Personal Injury Protection Insurance

How much does PIP cost?

The cost of PIP insurance varies widely depending on a number of factors such as age, vehicle, and location. See quotes from hundreds of carriers in seconds at