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Personal Injury Protection (PIP) insurance

Coverage for your medical expenses.

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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.

What does Personal Injury Protection cover?

PIP can cover a wide range of expenses, including:

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Hospital bills

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Lost wages

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Health insurance deductibles

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Funeral costs

Personal Injury Protection does not cover:

PIP insurance won’t pay out for anything that isn’t a direct result from a car accident that causes an injury to you or your passengers (and in some states, pedestrians).

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Vehicle damage

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Vehicle theft

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Weather damage

Broken item

Property damage

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 covers funeral expenses. MedPay does not.

PIP is required insurance in no-fault states, though it is possible in some of these states to reject or waive coverage.

MedPay is optional.

You can typically purchase PIP or MedPay, but not both.

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.

Learn more about Liability insurance.

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

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