personal injury protective covering ( PIP ) indemnity covers your medical bills and lost wages when you or your passengers are injured in a car accident. PIP is optional in most states. however, 16 states require you to carry a minimal amount of PIP coverage. PIP indemnity may overlap with your health or MedPay indemnity, but there are times when multiple policies are recommended .

What is Personal Injury Protection?

personal injury protection, besides known as “ no-fault insurance, ” pays the medical bills and reconstructive costs for you and your passengers after you ‘re injured in a car accident. PIP besides extends to instances when you ‘re a passenger in person else ‘s car, or if you ‘re hit by a cable car while a pedestrian or cyclist .
PIP indemnity is different than bodily injury liability policy in that, while PIP coverage pays for your own expenses, liability policy pays for the aesculapian expenses of drivers and passengers in other cars when you are at blame for an accident .
PIP indemnity may include some of the lapp coverage as your health policy or checkup Payments policy. however, PIP coverage is specifically written for car-related injuries, which are sometimes excluded from health policy policies, and PIP indemnity covers a phone number of extra expenses not covered by MedPay indemnity.

What Does Personal Injury Protection Cover

PIP policy covers necessary medical procedures equally well as reasonable expenses related to rehabilitation as you recover from an accident. The types of expenses covered vary by state, and may include :

  • Operations
  • Hospitalization
  • Ongoing professional care
  • Lost wages, if you’re unable to work
  • Funeral expenses and accidental death benefits
  • Some home care expenses, such as childcare or house cleaning, if you’re unable to fulfill these duties yourself

Do You Need PIP if You Have Health Insurance

If you live in one of the 16 states where PIP coverage is required, you must file a claim under that policy before you turn to your health indemnity. But even if it is n’t required in your submit, PIP insurance offers several benefits that you wo n’t get from a health policy policy, such as coverage for lost wages and funeral costs .
A few states, such as New Jersey and Michigan, have provisions so that your PIP coverage will work in conjunction with your health indemnity policy. For example, if you ‘re injured in a car accident in Michigan, your health policy policy may cover your physical injuries and your PIP would cover extra economic losses, such as wages you lost while you were in the hospital .

How Do You File a PIP Claim?

You submit a title like any early type of indemnity, either on-line or through the phone. PIP will help pay for medical expenses necessary immediately after the accident. But for ongoing, non-urgent claims, you ‘ll be required to review or pre-approve your discussion plan with a medical adept of your insurance company ’ s choose or an outsource aesculapian claims processor .
Your car indemnity supplier can besides approve partial reimbursements, or even have you examined by a medical supplier of their choice. The total your policy covers may vary depending on your design and on your country. For exemplar, in Florida, PIP coverage will only pay for 80 % of your aesculapian costs .
It ‘s critical to follow your car indemnity caller ‘s process and timeline. In New Jersey, for example, any medical care or treatment within the first ten days after the accident must be approved and certified by your insurance company. failure to provide the necessitate “ Attending Provider Treatment Plan ” and its documentation can result in a co-payment penalty of a much as 50 %, regardless of whether the procedure or diagnostic test was medically necessary or reasonably required .
In New York, all checkup bills should be submitted within 45 days of discussion to be considered for requital ; otherwise, written explanations must be provided. Ask your indemnity agent for their PIP title action requirements and keep a replicate on hand in casing you ‘re injured .

How Does PIP Work with Other Types of Car Insurance?

If you ‘re injured by another driver and have personal injury protection as part of your car policy policy, you would typically exhaust your PIP coverage first ahead turning to early options. If your aesculapian costs exceed your policy ‘s limits, you can then file a claim under the other driver ‘s liability policy policy. however, if you are importantly and permanently injured, or if your aesculapian bills exceed your state ‘s tort threshold, you may bypass your PIP coverage and file a lawsuit against the other driver .

Minimum PIP Requirements by State

PIP insurance is sometimes called “ no-fault insurance, ” since a minimum sum of PIP coverage is required if you live in a no-fault state. In these states, your own insurance policy will cover your expenses — even if another driver caused the accident — unless a certain doorway is met. These thresholds, called “ tort thresholds, ” may be either monetary or verbal, depending on your state .
monetary thresholds require checkup expenses for an individual or accident to exceed a state-designated sum before you can sue another driver. Verbal thresholds specify a sealed type of injury that must be met before you file a lawsuit. Although the speech varies by state, verbal thresholds typically say an individual must have sustained meaning and permanent wave loss of a bodily officiate, injury or disfigurement, or death. other variables, such as if a driver was under the influence of drugs or alcohol, can besides change how tort thresholds are applied .
In addition to the 12 no-fault states, four fault-based states besides require PIP coverage. early states allow you to purchase it as optional coverage. here are the PIP insurance requirements for the states that allow you to purchase it :


Minimum PIP Requirement

No-Fault State?

Tort threshold

Delaware $15,000/person, $30,000/accident No
Florida $10,000 Yes Verbal
Hawaii $10,000 Yes $5,000
Kansas $9,000 Yes $2,000
Kentucky $10,000 Yes $1,000*
Maine $2,000/person No
Maryland $2,500 No
Massachusetts $8,000/per person Yes $2,000
Michigan $250,000 or opt-out Yes $3,000
Minnesota $20,000 for medical expenses, $20,000 for non-medical expenses Yes $4,000
New Hampshire Optional No
New Jersey $15,000 Yes Verbal*

Show All Rows *Kentucky, New Jersey and the District of Columbia are optional no-fault states. Policyholders may elect either to operate under the no-fault organization or under a tort indebtedness system that allows them to file a lawsuit immediately .

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How Much Does No-Fault Insurance Cost

The sum cost of PIP policy will vary based on your policy ‘s coverage limit and deductible, adenine well as the department of state you live in .
cheapest car insurance quotes As an exemplar, we found thefrom Geico for a 30-year-old male driving a 2010 Toyota Camry in Florida. Included in the total price is a six-month policy with $ 25,000/ $ 50,000/ $ 25,000 of liability policy, $ 10,000 of PIP coverage, and comprehensive and collision coverage with $ 500 deductibles .


No-Fault Coverage


Total Price

PIP % of Total

Florida $0 Deductible, $10,000 PIP $136.80 $769.60 17.8%
$250 Deductible, $10,000 PIP $124.10 $756.90 16.4%
$500 Deductible, $10,000 PIP $117.80 $750.60 15.7%
$1,000 Deductible, $10,000 PIP $114.00 $746.80 15.3%

Should I Get Medical Payments Insurance on Top of PIP?

Both PIP and MedPay indemnity are meant to cover aesculapian bills after an car accident. however, MedPay does n’t cover many of the extra expenses that PIP covers, including lost wages, rehabilitation services or childcare .
Because of this, if you live in a state that offers PIP coverage, MedPay may be unnecessary. For exemplar, Michigan requires insurers to offer outright PIP coverage, so extra MedPay coverage would be pleonastic .
however, if your state has a low terminus ad quem to how much PIP insurance it requires, a checkup payments policy may provide supplementary coverage. Florida, Kansas, and Massachusetts are three such states. If you ‘re a nonmigratory of one of these states, consider adding MedPay indemnity to your policy .


$10,000 MedPay (Progressive)

$10,000 MedPay (Geico)

$5,000 MedPay (Allstate)

Florida $118/year $127/year $126/year
Kansas $36 $49 $20
Massachusetts $114 $17 $90


To find the distinctive price of personal injury security, we collected statewide average rates from three top insurers — Allstate, Geico and Progressive — in Florida, where personal injury protection is required by jurisprudence. We besides collected rates for aesculapian payments coverage in Florida, Kansas and Massachusetts .
ValuePenguin ‘s analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for relative purposes only — your own quotes may be unlike .



Liability $25,000/$50,000/$25,000
PIP $10,000
Collision/comprehensive Yes, $500 deductible

All personal wound protection requirements were retrieved from individual states ‘ departments of Insurance .

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