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What is Personal Injury Protection (PIP) Coverage?

Personal Injury Protection (PIP) -- also known as “no-fault” insurance -- covers medical bills and lost wages when you and/or anyone else in your vehicle are injured in an accident, no matter who is at fault. There are 16 states that require PIP coverage and an additional 7 states that allow you to optionally purchase PIP coverage.

Required PIP Insurance States:

  • Arkansas
  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah

Optional PIP Coverage States:

  • District of Columbia
  • New Hampshire
  • South Dakota
  • Texas
  • Virginia
  • Washington
  • Wisconsin

PIP insurance also covers you if you are a passenger in someone else's vehicle, or if you are hit by a car while walking or riding a bicycle. PIP differs from bodily injury liability insurance in that it pays for you and your passengers' expenses, liability insurance pays only for the other party's injuries if you caused the accident.

What does Personal Injury Protection Cover?

PIP insurance covers the medical expenses that are necessary to recover from an accident. These expenses typically include:

  • Surgery
  • Hospitalization
  • Ambulance
  • Rehabilitation
  • Lost wages
  • Funeral expenses
  • Accidental death benefits
  • Household expenses like childcare or cleaning services if you are unable to perform these duties due to injury

Personal Injury Protection Coverage Limits

Coverage limits are the maximum amount the insurance company will pay for a claim. Each state that requires PIP coverage will set their own minimum coverage limits. In such states, you will have to purchase at least the minimum amount of PIP coverage as required by law.

If you do not have good health insurance, you may want to consider increasing your coverage limits beyond state minimums. It is important to be sure that in the event of an accident, there will be enough coverage for you and your passengers’ medical expenses.

PIP insurance covers only personal injuries after a vehicle accident. It does not cover:

  • Damage to your vehicle
  • Vehicle theft
  • Damage to other people’s property
  • Medical expenses exceeding coverage limits

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