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

What is PIP Insurance? 

PIP (short for Personal Injury Protection) 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 since it pays first for your injuries, no matter who caused the accident. 

You might choose PIP insurance if….

  • You drive around with lots of passengers 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.


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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.

Which states require PIP insurance?

Currently 14 states require some level of personal injury protection coverage: 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

Recent Questions:

Will my insurance cover damages I’ve made in a no-fault state?

Nov 28, 2017
Berkley, Michigan

I live in Michigan which is a no-fault state. I hit the back of another car with minor damages of ...

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

Nov 13, 2016
Sanford, FL

I have been involved in three accidents between February and August 2016, but I was not at fault in any ...

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?

Aug 19, 2016
Starke, FL

The person that hit me had insurance and they paid me the max that they could off of her policy ...

Do I need PIP?

Jun 24, 2016
San Antonio, TX

I am retired military and enrolled in Tricare. This covers the cost of any and all of my medical expenses....