Personal Injury Protection (PIP)
Personal Injury Protection (PIP) is an auto insurance coverage that helps pay for medical expenses, lost wages, and other related costs if you or your passengers are injured in a car accident—regardless of who is at fault. It is sometimes called “no-fault insurance” because it provides coverage regardless of liability.
What Does Personal Injury Protection Cover?
PIP typically covers:
- Medical bills for you and your passengers
- Rehabilitation and therapy costs
- Lost wages due to injury
- Essential services you can’t perform due to injury (like childcare or house cleaning)
- Funeral expenses in case of fatal accidents
Who Needs PIP Coverage?
PIP is mandatory in some states, especially those with no-fault insurance laws. Even where it’s optional, it can provide valuable protection that liability insurance does not cover.
How Does PIP Differ from Medical Payments Coverage?
Both cover medical expenses, but PIP usually offers broader benefits like lost wages and essential services. Medical Payments Coverage (MedPay) is more limited and often covers just medical bills.
Is PIP Required?
Many states require PIP coverage or offer it as an option. Check your state’s laws to see if you need it, but it’s often worth considering even if optional.
What’s Not Covered by PIP?
PIP does not cover damage to your vehicle, liability for injuries to others, or injuries sustained when not in a vehicle (like walking or biking).
How to File a PIP Claim
If you’re injured in an accident, notify your insurance company promptly and provide medical documentation. PIP benefits will be paid directly to you or your healthcare providers, depending on your policy.
How Much Coverage Should You Have?
PIP coverage limits vary widely by state and insurer. Common limits range from $10,000 to $50,000 or more. Consider your health insurance and personal financial situation when selecting coverage limits.
Why Consider Personal Injury Protection?
PIP ensures you get prompt medical care and financial help without waiting for fault to be determined. It can reduce out-of-pocket costs and speed up recovery after an accident.