What Is Personal Injury Protection (PIP)?
Personal Injury Protection (PIP) is a type of auto insurance that covers medical expenses and lost wages regardless of who caused the accident. It's also known as "no-fault" insurance.
What Does PIP Cover?
- Medical expenses: Hospital bills, surgery, doctor visits
- Lost wages: Income lost during recovery
- Rehabilitation: Physical therapy, occupational therapy
- Essential services: Help with household tasks you can't perform
- Funeral expenses: In fatal accidents
How PIP Differs From Other Coverage
| PIP: | Covers you regardless of fault |
| MedPay: | Medical expenses only, no lost wages |
| Bodily Injury: | Covers others you injure |
| Health Insurance: | May have deductibles and exclusions |
States Requiring PIP Insurance
PIP is mandatory in these "no-fault" states:
- Florida, Michigan, New Jersey, New York
- Pennsylvania, Hawaii, Kansas, Kentucky
- Massachusetts, Minnesota, North Dakota
- Utah (limited no-fault)
Benefits of PIP Coverage
- Quick payment: No waiting for fault determination
- Covers you and passengers: Protection for everyone in your vehicle
- Covers you as pedestrian: If hit by a car while walking
- No deductible needed: Depending on your policy
PIP Limitations to Know
- Coverage limits vary by state and policy
- May not cover all medical expenses
- Can affect your ability to sue (threshold requirements)
- Doesn't cover property damage
How to Use Your PIP Benefits
- Report the accident to your insurance company
- Seek medical treatment promptly
- Submit claims for covered expenses
- Keep all receipts and documentation
- Understand your policy limits