Lauren Lewthwaite Last Updated On: September 13, 2023

What Do You Need To Know About Personal Injury Protection Car Insurance?

Personal injury protection insurance (PIP insurance) is a crucial kind of car insurance that’s also legally required in many states. Also called no-fault insurance, PIP insurance immediately covers medical costs, hospital bills, and expenses not covered by your health insurance in the event of a car accident, no matter who was at-fault. 

PIP insurance does not, however, cover the costs of car repair. 

What is PIP Insurance?

As briefly mentioned, PIP insurance is a type of car insurance that covers medical expenses, no matter who was at-fault in an accident. It necessitates that drivers use their own coverage to pay for basic medical expenses in the event of an accident. 

The point of PIP insurance is to ensure drivers in accidents receive care for injuries sustained without the sometimes drawn-out process of determining who caused the accident. 

You can get the medical care you need, right away.

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Table of Contents

What Does PIP Insurance Cover?

  1. Medical Bills. From costs associated with surgical and medical treatment, optometric and dental bills, ambulance and nursing services, medical supplies, medication, and prosthetic devices, PIP coverage can pay for all (or some) of the expenses. 

  2. Substitute Services. Some PIP insurance plans will cover services like cleaning and cooking if the injuries you sustained in an accident keep you from performing household tasks. 

  3. Funeral Expenses. In cases where the accident results in death, PIP coverage may help cover funeral expenses. 

  4. Lost Wages. Depending on your specific circumstances, PIP insurance may be able to help you recover your last wages as a result of injuries from an accident.

  5. Child Care Expenses. If your accident leaves you unable to care for your children and you need to hire someone or a service to help, PIP coverage may help you cover the added expense. 

  6. Survivors Loss. Some PIP plans provide financial support to dependents of people killed in car accidents, thereby replacing the income that the deceased would have otherwise provided. 

What Is Not Covered By PIP Insurance?

There are a few important things that your PIP insurance will not cover. They include:
  • Injuries sustained by over drivers in a collision
  • Property damage
  • Any injuries sustained while you were committing a crime
  • Injuries sustained in an accident while you were being paid to drive
So, PIP auto insurance is not a one-size-fits-all solution to your coverage needs. The holes left by PIP auto insurance may be best filled in by property damage liability insurance and bodily injury liability insurance

How Much Does PIP Insurance Cost?

PIP car insurance can cost anywhere from $50 a month to $100 per month. The exact cost will depend on the usual variables, including your age, the model of your vehicle, and the amount of coverage you desire. 

Get a free PIP insurance quote here and now and we’ll match you with the best (and most affordable) provider for your unique needs. 

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In What States is PIP Insurance Required?

States, where PIP is required, include:

  • Utah
  • North Dakota
  • Florida
  • Minnesota
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • New York
  • Pennsylvania

Is PIP Insurance Worth It?

Even if you do not require PIP car insurance, it is certainly worth your while to at least consider it. Remember: it’s the insurance that’s going to make sure your medical expenses are covered, without having to wait to see who is deemed at-fault. 

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If you live in one of the states that requires PIP insurance, then yes, you do.

Medical insurance, substitute services, funeral expenses, lost wages, child care expenses and survivors loss are all usually covered under PIP insurance.

Generally from $50 to $100 per month, depending on how much coverage you want, your age, what type of vehicle you drive and other factors.


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