What is Personal Injury Protection Car Insurance?

PIP is a unique type of coverage because it will pay out regardless of who caused the accident including uninsured motorists. It will cover damages to the insured, the passengers of the insured, and the individuals that may have been struck by the insured.

It doesn’t matter which driver has the PIP coverage, or who is to blame for the collision, PIP coverage can make up for medical expenses, lost wages, pain and suffering, and even funeral costs.

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When it comes to car insurance, auto insurance companies have a lot of rules regarding types of coverage and what they are willing to pay towards a claim. Most basic car insurance packages include only liability insurance, which protects other people and property if you are unfortunate enough to collide with them.

There are a variety of different types of car insurance coverage to choose from, but an often overlooked but worthy type of coverage is Personal Injury Protection (PIP).

Another great advantage with Personal Injury Protection coverage is that claims filed using PIP benefits will not adversely affect car insurance premiums. Using your car insurance can sometimes feel like a punishment, since at fault claims may cause your auto insurance premiums to rise. PIP claims do not have this problem.

Do I have to purchase PIP coverage?

In some states, you may be required to purchase PIP coverage whether you believe you need it or not. There are 13 states in America that mandate PIP coverage and drivers cannot register or operate a vehicle without PIP on their policies.

What does PIP insurance cover?

Personal injury protection is mainly for covering bodily injury costs and medical expenses. However, PIP can also be used when needed for emotional distress compensation, lost wages, funeral costs, and mental injury expenses.

Because PIP is a no fault type of insurance, and should not affect your insurance rates, the car insurance companies work behind the scenes to recoup what they have spent. The PIP coverage will kick in for you, regardless of fault, which saves you some hassle in tracking down other parties for their information, determining who the at fault driver was, and filing a claim based on the data gathered.

PIP will simply cover you for your damages simply because you were in an accident. The insurance company will often then go after the at fault driver’s insurance, if they are in a state that allows it, to claim what they are entitled to without involving the victims of the collision.

Full Coverage

Learn more about full coverage car insurance and if it is right for the type of vehicle you drive.

Liability Insurance

Learn more about liability insurance coverage. Every state requires some form of coverage. Do you have the right limits?

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Are you paying high rates? DUIs, accidents, filing claims, bad credit history, and multiple tickets are examples of what can put you into the high risk category.

Uninsured Motorists FAQ

Are you driving without insurance? Were you struck by an insured motorist? Learn more on Insurantly’s UM page.

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How much PIP coverage should I purchase?

The amount will vary per area. The states that require PIP coverage will have set minimums that must be met to stay in good standing with the law. PIP coverage can be as little as $1,500 and a large as hundreds of thousands of dollars.

It is a good rule of thumb to purchase more than the basic minimums but that doesn’t mean you’ll need to buy the maximum amount available. If you are uncertain how much you should purchase, talk to your insurance agent. They’ll have a good idea of what a normal and safe amount for your area would look like.

If you have medical insurance, it is a good idea to submit a claim on your health insurance before utilizing the PIP coverage. PIP is for more than medical bills and that way a portion of those expenses can be paid for by the health insurance company before PIP coverage gets used.

The minimum amount of PIP insurance required will vary from state to state. Each state legislation department determines their own requirements and minimum limits. Contact your local Division or Department of Insurance to determine the bottom line of what will need to be carried in these states.

The states that require PIP coverage are hoping to reduce or eliminate car insurance fraud. In an at fault state, it is easy to stage a car accident with an innocent motorist in order to reap the life insurance benefits from another company. If your insurance company has signed you up for a no fault policy, it will not matter what the other vehicles may or may not do.

The types of items that can be claimed under Personal Injury Protection can be different from state to state as well.

States that require drivers to carry PIP coverage:

Personal injury protection Colorado. What are the requirements in Colorado? Under the new law in Colorado it has now changed over from a no-fault jurisdiction to a tort jurisdiction. Drivers and passengers injured in auto accidents cannot pursue or recover medical expenses from your own car insurance policy. You will be now required to pursue these means with the at fault drivers’ car insurance provider.

Personal injury protection Delaware. The PIP policy shall provide compensation to injured drivers for medical expenses, funeral expenses, loss of earnings as a result of bodily injury, caused by accident, involving the insured vehicle. The policy must have minimum limits for this coverage.

Personal injury protection Floridaunder FL law it requires every automobile owner and driver on the road has at least $10,000 worth of personal injury protection. These benefits are paid by your car insurance company in the event you are in an accident. 

Personal injury protection Hawaii. As a driver in the state of Hawaii you must be carrying at least $10,000 in PIP coverage for yourself and your passengers.

Personal injury protection Kansas. State of Kansas law requires that every car insurance policy includes $4500 in Personal Injury Protection. Also know as “no-fault” insurance because you may be able to get coverage regardless of who is at fault in the accident.

Personal injury protection Kentucky. The state of Kentucky requires PIP coverage on all automobiles except for motorcycles. The coverage is paid by the company of the vehicle in which the person injured was a passenger during the accident, regardless of who was at fault. Basic coverage (PIP) allows up to $10,000 per person/per accident for medical expenses, lost wages and  so called“out of pocket” costs due to the injury.

Personal injury protection Maryland.  In Maryland if it was your fault or not, PIP will pay for your lost wages and medical expenses up to certain amount. PIP car insurance in Maryland are generally set up with coverage of $2,500, $5,000, or $10,000.

Personal injury protection Michigan. If you are involved in an auto accident in Michigan, the victim can recover auto insurance benefits from their own insurance company.

Personal injury protection Minnesota. Passengers of the insured vehicle: $40,000 per person, per accident consisting of $20,000 for medical costs and $20,000 for non-medical costs, like lost wages.

Personal injury protection New Jersey. NJ auto insurance policies are divided into different coverages based on the type of claim. Your medical coverage for injuries you (and others) suffer in an accident. PIP pays if you or other persons covered under your policy are injured in an vehicle accident.

Personal injury protection New York. NY state law allows up to $50,000 per person to the driver and all passengers injured. This also includes pedestrians injured as a result of your motor vehicle.

Personal injury protection North Dakota. The state of North Dakota requires $30,000 of PIP per person. Like other states this will pay for medical expenses after an accident including lost wages regardless of who is responsible or at fault for the accident. In ND it will not pay for property damage.

Personal injury protection Oregon. PIP is mandatory in the state of Oregon except for motorcycles. Car insurance policies have no-fault Personal Injury Protection healthcare and wage loss coverage. Your auto insurance company will provide one year and $15,000 in no-fault medical coverage. In addition your PIP provides wage loss coverage.

Personal injury protection Utah. Utah has a no fault law that requires you buy a minimum of $3,000 in PIP coverage.

Personal injury protection Massachusetts. Like other states Massachusetts has PIP coverage set up so that regardless of who is at fault you can have your medical, amd lost wages paid through the statute. Your auto insurer will pay the first $2,000.00 of medical expenses. After the $2,000.00 is paid, and you have health insurance, your health insurance company takes over but PIP would still be available for out of pocket expenses.

Discounts on car insurance

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