Updated: January 2022
Personal injury protection (PIP), also known as no-fault coverage, essentially covers your medical expenses resulting from a car accident, regardless of who is at fault. Besides medical costs, PIP can also cover lost wages, funeral expenses, and replacement service costs (childcare, household help, etc.). Additionally, you’ll be covered if you are injured as a passenger in someone else’s car or if you are hit as a bicyclist or pedestrian.
Keep in mind that PIP coverage is for your medical expenses -- not for the other party. For coverage for the other party when you are at fault in an accident, check out bodily injury liability coverage.
Given that PIP is also known as no-fault insurance, it makes sense that many states require it as a part of their state minimum standards. PIP ensures that drivers are covered medically in all accidents, which is not only safer for drivers, but also removes part of the burden on authorities to determine and assign fault in every accident.
So, where exactly do you need to purchase PIP?
Why would you want to purchase PIP if it’s not legally required? As a safety net. If you don’t have health insurance, or if you do but your coverage isn’t great, PIP can save you a lot of money after a serious accident that requires medical attention. Even if your state already requires it, you might want to consider purchasing more than the minimum amount required -- state minimums are often too low to provide adequate coverage.
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