What is Personal Injury Protection Insurance And What Is Covered?

Personal Injury Protection Insurance covers your medical bills when you or the passengers in your car get hurt in an accident. It is required in 13 states in U.S, while it’s optional in most states.

PIP pays the medical expenses for injuries sustained by you or your passengers in a car accident. It’s known as “No-Fault Insurance” because your insurer pays out regardless of who is at fault. Since neither party has to prove fault or go to court as part of the claims process, payments tend to be faster than with some other types of auto insurance.

Expenses covered under Personal Injury Protection

  • Reasonable and necessary medical procedures
  • Operations
  • Hospitalization
  • Rehabilitations
  • Professional care

Additional or Optional Features of Personal Injury Protection Insurance

  1. Lost earnings and other economic losses due to your injury
  2. Replacement or substitute services, such as household cleaning or childcare
  3. Funeral expenses, and accidental death benefits
  4. Injuries sustained as a pedestrian
  5. Injuries from an accident in a public bus or school bus.

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Note: Personal Injury Protection does not cover non-economic losses such as damages due to pain and suffering. PIP can be nullified if motorists drive while intoxicated or while under the influence of drugs, or if they’re found to have caused the accident purposely.

Minimum Personal Injury Protection (PIP) Requirements By State

Thirteen states currently require PIP coverage in auto insurance policies. Twelve, excluding Oregon, are considered true “No-Fault” states.

Coverage by StateMinimum PIP Limits
Florida$10,000
Hawaii10,000
Kansas9,000 (and others)
Kentucky10,000
Massachusetts8,000
MichiganUnlimited
Minnesota40,000
New Jersey15,000
New York50,000
North Dakota30,000
Oregon15,000
Pennsylvania5,000
Utah3,000

How Much Does PIP Insurance Cost?

valuepenguin obtained auto insurance quotes from a representative insurance company, GEICO, for two states, Florida and Pennsylvania, that have mandatory no-fault coverage.

StateNo-Fault Coverage50/100/50PIPPIP % of Total
Florida$0 PIP Deductible, $10,000 PIP$370$16731%
$250 PIP Deductible, $10,000 PIP37015129%
$500 PIP Deductible, $10,000 PIP37014428%
$1,000 PIP Deductible, $10,000 PIP37013927%
Pennsylvania$5,000 Medical Payments68813817%
$10,000 Medical Payments68817120%
$25,000 Medical Payments68821022%
$50,000 Medical Payments68825027%

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How To File a Personal Injury Protection Insurance Claim?

You submit a claim either online or through the phone. PIP cover any emergency medical expenses. After that, you’ll be required to review or pre-approve your treatment plan with a medical expert of your insurer’s choosing or n outsourced medical claims processor. Furthermore, your auto insurance provider can also approve partial reimbursements, modify your treatment plan, or even have you examined by a medical provider of their choice.