Personal Injury protection (PIP) Insurance

November 14, 2022

Personal injury protection (PIP), also referred to as no-fault insurance, may assist with covering expenditures such as medical bills, missed earnings, or funeral costs, regardless of who was at fault for the road accident. Different states have different minimum requirements for this type of coverage.

What Is “Personal Injury Protection,” or “PIP”?

The personal injury protection (PIP) component of a vehicle’s insurance policy, commonly referred to as “no-fault insurance,” reimburses policyholders for medical costs incurred due to a collision with another car. PIP pays for the medical expenditures of wounded policyholders and passengers, even if some of the people involved in the accident do not have health insurance.

Some policies may contain a “per-person maximum,” restricting the coverage to a per-victim maximum. Also, in some cases, health insurance may pay additional costs if the PIP is not enough to cover the expenses.

What Does PIP cover?

PIP insurance pays for the incident-associated policyholder’s and passengers’ medical and rehabilitation costs – operations, hospitalization, professional care, lost wages, funeral expenditures, accidental death benefits, and home care (daycare, maid service, etc.) – regardless of who was at fault.

Personal Injury Protection (PIP) vs. Liability Insurance

Personal Injury Protection (PIP) Liability Insurance
Pays for the incident-associated policyholder’s and passengers’ medical and rehabilitation costs Pays for the injured party’s medical bills if the policyholder is at fault for the accident.
Required in 12 states Required in every state
Does not cover property damage Covers damage to a third party’s property if the policyholder is at fault, but does not cover damage to the policyholder’s property.

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How Much Does It Cost to Get PIP insurance?

PIP is reasonably inexpensive. You may anticipate paying from $5 to $50 monthly in premiums. Note, however, that the cost of PIP insurance is often higher in no-fault states.

Which States Allow Residents to Purchase Personal Injury Protection Insurance?

State PIP Policy State Status
Arkansas Optional At-Fault
Delaware Required At-Fault
Florida Required No-Fault
Hawaii Required No-Fault
Kansas Required No-Fault
Kentucky Optional No-Fault
Maine MedPay Required At-Fault
Maryland Optional At-Fault
Massachusetts Required No-Fault
Michigan Required (Medicaid recipients who are driving now have the option to opt out) No-Fault
Minnesota Required No-Fault
New Jersey Required No-Fault
New York Required No-Fault
North Dakota Required No-Fault
Oregon Required At-Fault
Pennsylvania Medical Benefits Required No-Fault
South Dakota Optional At-Fault
Texas Optional At-Fault
Utah Required No-Fault
Virginia Optional At-Fault
Washington Optional At-Fault
Washington D.C. Optional At-Fault


How much time do I have to file a personal injury claim?

Depending on the state, you may have a year to four years to file a PIP claim.

What do I do if an insurance adjuster calls me?

Do not talk with an insurance adjuster working for someone else because they may force you to make comments that would reduce or eliminate their insured’s responsibility.

What if I am partially at fault for an accident?

The damages you may be able to collect if you are partially at fault vary from state to state. Only a few jurisdictions follow the contributory negligence rule, which holds that a victim cannot collect any damages if they were even partially responsible for the incident in which they were injured.

Will my PIP claim be resolved in court?

Only a small percentage of personal injury claims ever end up in court. Most cases are resolved by agreement with the defendant or insurance company.

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Oleksandr Rohovnin is a Content Marketer at and an expert contributor to CoverExplore. His passion is digital marketing, innovative technologies, tech industries, and – above all – distilling vast amounts of complex information into engrossing narratives anyone can relate to. At CoverExplore, Oleksandr stokes passion for auto insurance and the automotive industry in general in every story he curates.