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What is Personal Injury Protection (PIP) insurance?

Personal injury protection (PIP) insurance is a no-fault coverage option that pays for personal loss after a car accident. PIP car insurance covers some medical expenses, funeral expenses, child care, lost wages, and other essential services.

Did you know personal injury protection (PIP) insurance covers funeral expenses? PIP insurance is one of many no-fault coverages that pay out claims in specific situations regardless of fault in a car accident.

But how does personal injury protection auto insurance work? Don’t worry — we’re here to answer your questions.

Read through this guide to learn how personal injury protection insurance works, how much personal injury protection coverage costs, and what personal injury protection benefits are available to you.

Are you ready to shop for car insurance with personal injury protection (PIP) coverage? Enter your ZIP code in the free comparison tool above to compare the top companies in your area.

How does PIP car insurance work?

PIP auto insurance is a no-fault coverage option that pays for injuries regardless of fault. If you’re at fault in an accident, your liability coverage pays for the other driver’s injuries and damages to their vehicle. PIP car insurance covers your injuries.

However, personal injury protection coverage doesn’t have the same limits as liability coverage.

What does PIP car insurance cover?

When personal injury protection insurance pays out, it has the potential to pay for a few expenses. Here’s a list of things that are covered by PIP insurance.

  • Medical expenses
  • Lost wages (sometimes called lost income)
  • Essential services (child care, house cleaning, etc.)
  • Funeral expenses
  • Survivors’ loss (provides income replacement if you pass away in an accident)

If you think that your PIP limits are too low, you can use your health insurance to supplement the cost of your medical expenses. It’s better to have health insurance, so you can avoid out-of-pocket costs.

What does PIP car insurance not cover?

There are specific situations that personal injury protection doesn’t cover. Before you buy personal injury protection (PIP) insurance, you should know what kind of expenses this kind of coverage won’t pay for. Check out this list to see what PIP doesn’t cover.

  • Property damage of your vehicle
  • Property damage of someone else’s vehicle
  • Injuries of the other party
  • Injuries that occur during a crime

It’s not likely you’ll find an auto insurance company that pays for injuries caused while you were committing a crime.

A personal injury protection (PIP) insurance company is technically a car insurance company that provides PIP insurance.

For all other situations on the list, you can shop around with the best car insurance companies and secure options that’ll cover those events.

Which states require PIP car insurance coverage?

According to the Insurance Information Institute (III), 16 states require personal injury protection. Here are the states where drivers need PIP insurance.

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

Although Puerto Rico isn’t a state, it’s a United States territory that requires drivers to carry PIP on their car insurance policy.

Which states don’t require PIP car insurance?

In states where it’s not required, PIP auto insurance may or may not be available.  The following are the states that have PIP car insurance available but do not require that you carry this coverage.

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

New Hampshire doesn’t require drivers to carry car insurance. However, if you decide to buy auto insurance in New Hampshire, your policy should include personal injury protection.

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How much are personal injury protection car insurance rates?

PIP auto insurance costs between $5 and $50 per month. Several factors determine whether affordable personal injury protection (PIP) insurance is available to you.

You can get personal injury protection (PIP) insurance quotes before you buy anything. Once you go through the quotes process, your auto insurance company calculates the monthly cost of your policy.

Look through your quote to get a glimpse of your personal injury protection (PIP) insurance rates.

What’s the difference between personal injury protection (PIP), bodily injury liability (BI)?

Personal injury protection covers your injuries and not the injuries of the other person involved in the accident, whether you are the at-fault or no-fault driver. Bodily injury liability covers the cost of injuries of the other, no-fault driver if you were at fault in an accident.

What’s the difference between personal injury protection (PIP) and medical payments (MedPay) car insurance?

MedPay auto insurance only covers medical expenses, and it doesn’t cover personal loss, such as lost wages, child care, or funeral costs.

PIP car insurance covers medical expenses and other lost wages. Both MedPay and PIP provide a cushion for your health insurance. If your PIP and MedPay limits are too low, use your health insurance to cover the rest of the cost.

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How do you file a PIP car insurance claim?

If you want to file a PIP claim, contact your car insurance company and let them know you need to file a claim. Give them detailed information, including a police report, photos of your injuries, copies of your medical bills, and other information related to your personal injury.

Committing a crime is a sure way of getting your PIP claim denied. Be honest with the claim agent.

Personal Injury Protection (PIP) Car Insurance: What’s the bottom line?

PIP insurance is one of the best insurance options for drivers. We all make mistakes while driving, and PIP is a great investment if you want to avoid out-of-pocket costs.

Now that you know more about personal injury protection (PIP) insurance, use our free online tool below to compare multiple companies near you.



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