What is PIP insurance?
Personal Injury Protection, also known as PIP insurance, helps to pay for your (or your passengers’) medical expenses from an auto accident—regardless of if the accident was your fault. PIP is required insurance in no-fault states. In this case, your state will require a minimum limit of coverage.
PIP vs. MedPay
MedPay and PIP insurance are similar. Both Personal Injury Protection and MedPay provide insurance coverage for any health expenses after an accident. But there are a few differences in insurance coverage that you need to know.
PIP coverage vs. Liability Bodily Injury coverage
PIP car insurance pays for medical expenses for you and your passengers, whether or not the accident was your fault. Liability Bodily Injury insurance won’t help with your own injuries, just injuries to others. Plus, Liability only kicks in if the accident was your fault.
PIP insurance is required in the following states: Arkansas, Delaware, Florida, Hawaii, Kansas , Kentucky , Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York , North Dakota, Oregon, and Utah.
*PIP is not available in all states.
*PIP can be waived in certain no-fault states