Personal Injury Protection (PIP) Car Insurance
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UPDATED: Sep 14, 2021
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- In some cases, personal injury protection (PIP) car insurance covers more than medical payments coverage and regular health insurance
- Personal injury protection coverage is a requirement in 16 states and Puerto Rico
- You must weigh the benefits of carrying personal injury protection car insurance against the coverage offered by other forms of insurance, like healthcare coverage
What is PIP (personal injury protection)? Personal injury protection car insurance helps pay for injuries that you and your passengers may suffer in a car accident. It is like medical payments insurance, but PIP covers even more.
If you have personal injury protection, the coverage may apply to you and your passengers. PIP is “no-fault” insurance because it kicks in no matter who is at fault in a car accident.
Do you need personal injury protection car insurance? It depends on the state you live in and what is already covered by other forms of insurance you carry. In any case, PIP coverage may not always be cheap car insurance; it can get expensive because of what it’s supposed to cover.
Read on to learn what personal injury protection car insurance covers, how much it costs, and which companies may offer it. If you want to see quotes from top companies in your area right now, enter your ZIP code into our free quote tool above.
How much does personal injury protection car insurance cost?
Personal injury protection car insurance rates may be equivalent to 16% of a full coverage policy per year. Of course, prices will differ based on your insurer or state, plus various other factors, like your age and driving record.
Here are some sample personal injury protection car insurance quotes:
|Company||What Its Personal Injury Protection Insurance Covers||Cost of Full Coverage Per Month||Cost of PIP Per Month|
|Allstate||Medical payments, lost wages, replacement services, funeral costs, childcare costs||$164.69||$26.35|
|American Family||Medical costs, lost wages, childcare||$121.79||$19.49|
|Farmers||Rehabilitation, lost wages||$113.88||$18.22|
|GEICO||Medical costs (bills, supplies, prescriptions), lost wages, nursing care, replacement services, funeral costs||$107.95||$17.27|
|Liberty Mutual||Coverage based on your state||$119.70||$19.15|
|Nationwide||Medical payments, rehabilitation, lost wages, replacement services, childcare, funeral costs||$158.06||$25.29|
|Progressive||Medical bills, lost wages, childcare, in-home services, disability and rehabilitation, survivor benefits||$147.14||$23.54|
|Travelers||Medical costs, lost wages, childcare, in-home services, funeral costs||$104.25||$16.68|
|USAA||Fills in the gaps of your health insurance||$106.90||$17.10|
Note that GEICO is a personal injury protection car insurance company that may also cover you when you are involved in an auto accident as a pedestrian.
What does personal injury protection car insurance cover?
If you have medical payments coverage, you know that it covers you and your passengers, no matter who is at fault in a car accident. Personal injury protection goes even further.
According to the Insurance Information Institute, PIP can cover your medical expenses, lost wages, and other out-of-pocket expenses. Here are other things that PIP covers:
- Survivor benefits
- Funeral expenses
- In-home services, like nursing care, housekeeping, and childcare
Based on your car insurance policy, personal injury protection can kick in for your passengers, and it may apply if you are a pedestrian. However, you may need to buy a separate PIP add-on if you drive a different vehicle, like a moped or motorcycle.
In many cases, personal injury protection coverage is your secondary insurance in terms of medical care. That is true in states where PIP is required and if you are a Medicare recipient.
Differences in PIP Coverage
Of course, the level of coverage you get from personal injury protection will differ according to your state. For example:
- Personal injury protection car insurance in Florida will cover up to 80% of your wages.
- PIP insurance will cover up to 70% of your wages in Oregon.
- PIP coverage in North Dakota extends to your spouse, live-in relatives, and anyone who drives your car with your permission.
- Michigan has unlimited coverage if you so choose.
Here is a list of the states and territories that offer personal injury protection, along with what it covers:
|State||What PIP Covers|
|Arkansas||Medical costs, lost wages, funeral expenses|
|Delaware||Medical costs, lost wages, in-home services, funeral costs|
|District of Columbia||Medical costs, lost wages, funeral costs|
|Florida||Medical costs, disability benefits, lost wages, survivor benefits|
|Hawaii||Medical costs, lost wages, death benefits|
|Kansas||Medical costs, lost wages, essential services, funeral costs, survivor benefits|
|Kentucky||Medical costs, lost wages, other “out of pocket” costs related to the injuries suffered in a car crash|
|Maryland||Medical expenses, disability, other injury-related expenses|
|Massachusetts||Medical payments, lost wages, replacement services, funeral expenses|
|Michigan||Medical costs, lost wages, replacement services, funeral expenses, survivor benefits|
|Minnesota||Medical costs, funeral costs, other expenses|
|New Hampshire||Medical costs, including rehabilitation|
|New Jersey||Medical costs, lost wages, replacement services|
|New York||Medical costs (including dental treatments), lost wages, funeral costs|
|North Dakota||Medical costs, lost wages|
|Oregon||Medical costs, lost wages, transportation, in-home services, childcare, funeral costs|
|Pennsylvania||Medical costs, lost wages, funeral costs, survivor benefits|
|Puerto Rico||Medical costs|
|South Dakota||Medical costs, lost wages, funeral costs|
|Texas||Medical costs, lost wages, nursing services|
|Utah||Medical costs, lost wages, in-home services, childcare, funeral costs, survivor benefits|
|Washington||Medical costs, lost wages, replacement services, funeral costs|
Also, note that there are differences in medical costs coverage. In some states, medical costs include dental work and physical rehabilitation.
Different PIP Requirements By State
You can purchase personal injury protection in 21 states, the District of Columbia, and Puerto Rico. Personal injury protection is compulsory in 16 states and Puerto Rico.
Requirements for personal injury protection car insurance will also differ in each state:
|State||Is PIP Required?||Minimum PIP Requirements|
|Delaware||Yes||$15,000 per person; $30,000 per accident; $5,000 for funeral expenses|
|District of Columbia||No||N/A|
|Florida||Yes||$10,000 per person|
|Hawaii||Yes||$10,000 per person|
|Kansas||Yes||$4,500 for medical costs, per person; $4,500 for rehabilitation costs; $2,000 for funeral costs; $900/month for one year for lost wages and disability; $25 per day for in-home services|
|Kentucky||Yes||$10,000 per person|
|Maryland||Yes||$2,500 per person|
|Massachusetts||Yes||$8,000 per person|
|Minnesota||Yes||$20,000 for medical expenses; $20,000 to cover lost wages|
|New Jersey||Yes||$15,000 per person; Up to $250,000 in disability (for severe or permanent injury)|
|New York||Yes||$50,000 per person|
|North Dakota||Yes||$30,000 per person|
|Oregon||Yes||$15,000 per person|
|Pennsylvania||Yes||$5,000 per person|
|Puerto Rico||Yes||Medical payments, payments for injury or death|
|Texas||Yes||$2,500 per person|
|Utah||Yes||$3,000 per person; $1,500 for funeral expenses, per person; $3,000 for survivor benefits; $250 per week or 85% of lost wages (whichever is less); 20$ per day for replacement services|
|Washington||No||$10,000 per person|
For example, in Kentucky, Maryland, and Texas, drivers can waive the requirement in writing, while drivers in Pennsylvania must purchase coverage for medical costs, et al., separately.
PIP is optional in Arkansas, the District of Columbia, New Hampshire, South Dakota, Virginia, and Washington. Take some time to learn more about car insurance by state to find out what kind of car insurance you’re required to carry.
Should you buy personal injury protection car insurance coverage?
First, it depends if personal injury protection is a requirement in your state. Beyond that, the choice is yours, but you need to do a risk assessment. Start by asking yourself these questions:
- Will my health insurance cover all my medical expenses should I get injured in a car accident?
- Can I afford to pay for personal injury protection auto insurance, and is not having it worth the cost?
- Can I use living benefits from my permanent life insurance policy to cover my expenses should I get into a car accident? How much will it cost to pay it back?
If you have permanent life insurance, there are ways that you can use living benefits to pay for expenses related to your accident-related injuries. However, you will need to pay that money back.
Ultimately, you may need to find affordable personal injury protection car insurance that offers enough benefits to cover some expenses should disaster strike. Compare quotes from different companies to find the best personal injury protection coverage.
In the end, personal injury protection car insurance is a good thing to have if you can afford it, so weigh your options.
Hopefully, this primer on personal injury protection car insurance clarified a few things for you. Now, if you want to look at quotes from top car insurance companies in your area, enter your ZIP code into our free tool below.
Frequently Asked Questions: Personal Injury Protection Car Insurance
Here are a couple of questions that you may have about personal injury protection (PIP) coverage:
#1 – Is the waiver of personal injury protection (PIP) coverage necessary if I have Medicare or other health insurance?
It depends on your situation, but you may be giving up vital coverage that your health insurance might not provide.
Some health plans will not cover medical expenses from injuries that you suffer in a car accident. However, if you have Medicare Parts A and B, you will receive significant coverage for car accident-related injuries. That includes inpatient care, physical therapy, and an ambulance.
Now, there are some things that Medicare and other insurance plans will not cover. That includes lost wages and in-home nursing care, which PIP insurance will cover if needed.
#2 – What should I know about Michigan’s laws regarding Personal Injury Protection car insurance?
All states have unique requirements, but Michigan’s laws regarding no-fault insurance may be the most difficult to navigate. Michiganians have paid the highest insurance rates in the United States since 1978.
That is when unlimited personal injury protection car insurance was first required.
In 2020, Michigan reformed its no-fault insurance laws. The changes took place on July 1, 2020, and non-Medicare residents now have the option of waiving PIP insurance.
According to information from the Detroit Free Press, all Michiganians can choose to have unlimited coverage, a $500,000 limit, or a $250,000 limit. People with Medicare Parts A and B or with “qualified” health insurance can opt-out of carrying PIP insurance.
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