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Personal Injury Protection - No-Fault Coverage

PIP, or personal injury protection insurance, is mandatory in many states. What this insurance covers in each state varies also. It is best to check with your agent for specifics. The best quality of PIP is that it is "no-fault coverage". This means it goes beyond liability and covers almost everything else involved in an accident where you have passengers. It assures you of quick reimbursement and usually pays up to 80% of incurred medical expenses. It also requires no deductible.

The Division of Motor Vehicles uses a three number format to represent minimum requirements of each state for insurance. The first two numbers indicate the amount of bodily injury liability insurance a driver must have, with the first number acting as the per person limit and the second number indicating the coverage per accident limit. The third number in the insurance formula is for property damage liability coverage. In addition to these requirements, some states require a driver, by law, to carry personal injury protection. The usual minimum limit for Personal Injury Protection coverage is 5,000. Some agents recommend more. An ambulance ride, emergency room visit, x-rays, and lab fees can run up to $2,000. It is easy to see how expensive an accident can become when ongoing treatment necessary for the victim or victims.

While liability insurance for body and property cover expenses you may be at fault for, personal injury protection covers you, (the driver), and any other passengers. This type of insurance also provides a fast-track for compensation of hospital bills and lost wages, or funeral expenses. This is because of its "no-fault" structure. It may keep you out of court also because the nature of the coverage does not place blame.

There are two other things to consider when looking at personal injury protection insurance. The first is that not all companies offer PIP. The second is whether your state requires it or not. Currently 16 states require automobile drivers to buy this insurance including:

  • Arkansas
  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah
  • Additionally, if you carry health insurance to cover any medical costs, you may not need as much Personal Injury Protection. Whatever questions you may have, quick, online quotes and information are available right now!

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