IN PLAIN ENGLISH

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

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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.

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 anywhere on The Zebra to see quotes and pricing from top insurance companies. 

 


 

This article was written by one of The Zebra’s resident insurance experts. Each article is thoroughly researched to ensure we provide readers the most accurate — and helpful! — information possible. That’s insurance in black and white.®

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Recent Questions:

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.

Do I need PIP?

First of all, thank you for your service! It sounds like you have outstanding health insurance for yourself, and potentially your family as well. It may not be necessary in your current situation to carry PIP, but here are a few reasons why it may make sense to add it to your policy:
  • Your health coverage has a high deductible - PIP coverage on Texas auto policies does not have a deductible so, if you are injured in an accident that is your fault, this coverage kicks in immediately.
  • You drive frequently with passengers not covered by your health insurance - Even if you have outstanding health insurance for you and your family, that coverage does not extend to any of your passengers who aren't covered by your health plan.

Can I file a claim for bodily injury with my insurance even though the person that hit me had insurance and they settled out of court?

Since Florida is a "No Fault" state, your personal injury protection (PIP) coverage should pay primary for any injuries you suffer in an accident, regardless of fault. Because you settled out of court already for your medical bills, you may not be able to get any additional compensation from your company since PIP covers medical and work loss, not pain and suffering.

If my policy is being non-renewed because of multiple PIP claims, how will I be able to get coverage anywhere else?

Unfortunately, those PIP claims are going to work against you until they pass three years so it's going to be fairly difficult to find a well-known company willing to insure you. More than likely you will need a non-standard insurance company for the time being.