Personal Injury Protection Insurance (PIP)

Personal Injury Protection provides additional insurance protection for any subsequent healthcare costs that are a direct result of an accident, regardless of who is at fault.

Commonly referred to as PIP, Personal Injury Protection provides up to 80% coverage for further expenses such as medical costs, lost wages, rehab, long-term nursing care, and more.

The only states that require PIP are Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, and Utah. If you live in any of these states, your coverage limits will be pre-determined. If you live in a non-PIP state then the amount you carry will be up to you.

When deciding how much or whether to even carry PIP, you should consider how much health insurance you have. Also, if you frequently carry passengers, you should carry PIP because you will be responsible for their medical costs if you are involved in an injury accident.