Personal Injury Protection (PIP) Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages for you and your passengers if you're injured in an accident. PIP coverage protects you regardless of who is at fault. Personal injury protection insurance is mandatory in some states and optional or not offered at all in other states. Personal Injury Protection (PIP) insurance coverage includes payment for medical and rehabilitation expenses related to injuries, loss of income, and funeral and burial expenses.
Bodily injury liability coverage includes payment for any physical injury that occurs in an accident you cause. The PIP covers medical expenses, such as medical bills, dental bills, optometry treatment, ambulance ride, prescriptions, and medical supplies resulting from injuries related to an accident. It covers both the driver and the passengers of the vehicle. The PIP will also cover lost wages (up to 80%) if you miss work, and it can even cover home help if you can't do certain household tasks.
In the event of death, the PIP can also cover funeral and burial expenses. It's possible that you're using an unsupported or outdated browser. For the best possible experience, use the most recent version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Personal Injury Protection (PIP) is a type of car insurance that covers medical expenses, lost wages, and other related costs if you or your passengers are injured in a car accident, regardless of which driver is at fault. The PIP is required in some states under “no-fault” car insurance laws, which limit your ability to sue for injuries related to an accident.
In states where it's optional, the PIP can still be a valuable part of an auto insurance policy. Pay bills for items such as ambulance services, hospitalizations, medical and surgical treatments, and prescription drugs. Pay if injuries related to an accident make you unable to work. The PIP can also help if you are self-employed and must hire temporary employees.
Pay for occupational or physical therapy, if needed, because of your injuries. You pay for assistance for things that your injuries prevent you from doing for yourself or your family, such as cleaning the house and taking care of children. It pays for funeral expenses and survivor benefits if the car accident caused fatal injuries. The primary purpose of the PIP is to provide timely payment for car accident injuries. Because PIP claims are paid regardless of who caused the accident, there's no need to wait for a liability claim or lawsuit against another person to be resolved.
Some states require drivers to have the PIP. It's optional coverage in other states and isn't available in others. In states where PIP is optional, it's generally good coverage. That's because the PIP can help you cover expenses, such as your health insurance deductible, lost wages, and replacement services for tasks you can't do because of your injuries, such as caring for children or cleaning the house. The PIP is required in 15 states.
Among these, 12 states require PIP through “no-fault” insurance laws, which generally require you to file minor injury claims with your own PIP insurance. The other three states require PIP but lack “no-fault” insurance laws. In addition, PIP is optional coverage in four states and the District of Columbia and is not available in other states. Get Forbes Advisor ratings for the best insurance companies and useful information on how to find the best travel, auto, housing, health, life, pet and small business coverage for your needs.
Here you'll find more information about the states where PIP is available, including details on when you can sue someone in no-fault states. This is generally referred to as the “threshold” of demand. The average PIP claim amounts come from the National Association of Insurance Commissioners auto insurance database report. Medical benefits in Kansas include the costs of doctors, psychologists, surgeries, x-rays, dental services, prosthetic devices, ambulances, hospitals and nursing services.
Unlimited medical benefits that have been offered in the past. Selecting a PIP limit is crucial when buying a Michigan car insurance policy. Otherwise, you'll automatically be granted unlimited medical benefits and charged the associated increased price. When can you sue a driver in Michigan who caused the accident? A driver can be sued if he causes a serious impairment of bodily function, permanent serious disfigurement, or death.
The Minnesota PIP does not apply if you are hit by a vehicle while riding a motorcycle. When can you sue an Oregon driver who caused the accident? Oregon isn't a traditional no-fault state, so you can sue a driver for medical expenses, lost wages, and pain and suffering at any time. When can you sue a Pennsylvania driver who caused the accident? If you have a limited liability policy, you can sue if you suffered a serious impairment in significant bodily function or if you were injured while riding a motorcycle, were injured as a pedestrian, were injured as a passenger in a bus, truck, taxi, or other commercial vehicle, were hit by a drunk driver, or hit by a vehicle from another state. Buying a PIP in Washington doesn't limit your ability to sue the driver who caused an accident.
The PIP will provide you with an easy way to file injury claims from the accident, no matter who was at fault. If your state requires personal injury protection coverage, you have no choice but to buy it. If the PIP is optional where you live, you can choose to refuse it if you have a good health insurance plan that you would use for car accident injuries. Even so, the PIP has some benefits that health insurance doesn't offer, such as reimbursement for lost wages and payments for services you can't provide, such as cleaning the house.
However, the PIP doesn't cover all injury-related expenses if you have a car accident. For example, if you cause an accident that injures other people, you'll need to take advantage of the bodily injury portion of your auto liability insurance. Auto liability insurance also covers legal costs, settlements and judgments if you are sued for a car accident. With so many options for auto insurance companies, it can be difficult to know where to start to find the right car insurance.
We've evaluated insurers to find the best auto insurance companies, so you don't have to. The PIP covers your medical and other expenses (such as lost wages) and those of your passengers, regardless of who is at fault for the accident. On the contrary, personal injury liability insurance covers medical expenses for other people's injuries if you are at fault for an accident. Personal injury liability also covers your legal costs if you are sued for an accident.
PIP is required in 15 states, is optional in other states, and is not available in others. Bodily injury liability insurance is a part of your auto insurance liability coverage and is required in every state if you buy every state when buying an auto policy. You must have the PIP in 15 states as part of your car insurance policy, even if you have health insurance. In some other states, PIP is optional and, in others, it's not available. If you have the PIP, you usually file a claim with your own car insurance company, no matter who caused the accident.
Your insurance company will cover your injury-related expenses, up to the policy's limits. If your passengers are injured, the rules may vary by state. For example, some states may require passengers who have their own car policy to file a claim about PIP coverage in their policy. It usually doesn't make sense to buy both medical payment coverage (MedPay) and PIP, since you'd be paying for redundant coverage.
MedPay and PIP are similar in that they both pay for medical expenses for you and your passengers, no matter who caused the accident. However, PIP insurance includes more benefits. MedPay doesn't cover lost wages or replacement services (such as house cleaning or laundry services), while PIP does. If you have the option of buying both PIP and MedPay in your state as part of your auto insurance policy, PIP usually be the best cover.
Penny Gusner is a writer and senior insurance analyst at Forbes Advisor. For more than 20 years, it has helped consumers understand how insurance laws, data, trends and coverage affect them. Penny likes to translate the complexities of insurance into easy-to-understand advice and suggestions to help consumers make the best decisions based on their needs. His work has appeared in numerous major media outlets, including The Washington Post and Kiplinger's.
Personal Injury Protection (PIP) provides medical benefits related to injuries that drivers and passengers receive as a result of a car accident, regardless of who is at fault. New York is a no-fault insurance state, so all motorists are legally required to have personal injury protection insurance. What does personal injury protection cover? Personal injuries cover three main aspects: The cost of personal injury protection varies in New York State, similar to your type of insurance coverage. The cost of the PIP is determined by your age, driving record, type of vehicle and place of residence. Personal injury protection covers your medical and related personal injury expenses after a car accident.
Personal injury protection is a type of auto insurance coverage, while liability insurance can be included in many types of insurance policies, including auto, homeowners, renters, and condo insurance. Personal Injury Protection (PIP) is designed to cover medical costs related to an accident, no matter who is at fault. Personal injury protection, or PIP, is auto insurance coverage that pays for medical expenses resulting from car-related injuries, no matter who you are the culprit. If you live in a state where personal injury protection is required, you'll still need the PIP even if you have health insurance.
The cost of personal injury protection varies in New York State, similar to your type of insurance coverage. In most states with no-fault insurance, drivers must still have bodily injury liability coverage to pay for injuries that exceed the state threshold for bodily injury lawsuits. Personal Injury Protection (PIP), also known as “no-fault insurance”, is a component of an auto insurance plan that covers health care expenses related to a car accident. This includes the medical expenses of the injured party, but does not include personal injury protection for the driver who caused the accident or for his passengers.
Personal injury protection coverage can cover your medical bills and those of anyone covered by your policy. Use the table below to see if you need personal injury protection in your state and what the minimum amount is. Personal Injury Protection (PIP), also called no-fault insurance, covers medical bills and related costs resulting from an accident, no matter who caused it. If you live in a state where PIP coverage is optional, you should consider the extent of your health care coverage before purchasing personal injury protection.