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Personal Injury Protection (PIP) Car Insurance

Personal injury protection (PIP), also known as “no-fault insurance”, helps cover expenses like medical bills, lost wages or funeral costs after a car accident, no matter who is at fault. Requirements vary from state to state.

Personal Injury Protection Car Insurance Covers

Medical Expenses covers medical bills for you and your passengers after a car accident, may even help cover your health insurance deductible.
Work Loss covers lost wages because you’re out of work due to an accident. Coverage can also apply if you’re self-employed and need to hire temporary workers to perform tasks.
Funeral Expenses covers funeral, burial or cremation expenses after a car accident.
Survivors’ Loss can help replace your lost income for your surviving dependents if you pass away in an auto accident.
Essential Services helps pay for acts that you’d normally perform if you weren’t injured, like childcare and housecleaning.

Example of how personal injury protection (PIP) can help protect you:

You are injured after getting hit by a car while walking.

Personal Injury Protection insurance does not cover things like:

Any injuries from an accident while you were committing a crime, like fleeing the police.
Injuries in an accident while you received payment for driving.

Contact us to learn more about auto insurance coverage and to better understand the requirements where you live.

At-Fault vs No-Fault insurance

Coverage in at-fault states, drivers who cause an accident must file a claim with their insurance company to pay for damages or injuries.

No-fault states require every driver to file a claim with their own insurance company after a car collision, no matter who’s at fault. In these states, you’ll need to buy PIP as a part of your auto insurance policy.

According to the Insurance Information Institute, there are currently 12 no-fault insurance states that require PIP coverage:

Florida
Hawaii
Kansas
Kentucky
Massachusetts
Michigan

Minnesota
New Jersey
New York
North Dakota
Pennsylvania
Utah

Personal Injury Protection (PIP) Car Insurance

Personal Injury Protection Car Insurance Covers

Example of how personal injury protection (PIP) can help protect you:

Personal Injury Protection insurance does not cover things like:

Contact us to learn more about auto insurance coverage and to better understand the requirements where you live.

At-Fault vs No-Fault insurance

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