Merrill Burchell, Car Insurance Writer
@merrill_burchell
Yes, you need personal injury protection (PIP) insurance if you live in one of the 12 states that require it. You should also get PIP if your health insurance has low coverage limits or if you drive with passengers who could hold you responsible for their medical expenses in the event of an accident. Plus, PIP also covers non-medical costs such as childcare or lost wages.
In addition to the states where PIP is mandatory, there are 7 other states and Washington, D.C. where it is offered as optional protection. Even if it’s not required, PIP is a good investment because it can pay for medical expenses for the policyholder and his or her passengers after an accident, no matter who was at fault. Keep in mind that PIP is not available at all in the 31 other states.
Always check with your insurance company or an agent for specifics on what coverage is required or available in your state before you determine what to include in your policy.
What Does PIP Cover?
- Ambulance fees
- Health insurance deductibles
- Medical treatments
- Surgery
- Rehabilitation
- Prescriptions
- Lost wages
- Home care such as cleaning
- Child care
- Funeral costs
How Does PIP Work With MedPay?
PIP insurance may overlap with another kind of car insurance known as Medical Payments, or MedPay. Like PIP, MedPay covers the costs of medical care resulting from of an accident, no matter who was at fault. Also, like PIP, MedPay covers injuries to any passengers in your car. However, it does not pay for lost wages, rehabilitation or home-care services, which PIP would cover.
The way PIP and MedPay may work together depends on your state’s laws. If you live in one of the 12 states that require PIP, MedPay could be redundant, but in the states where PIP is optional, you could get a combination of the two.
People also ask
Will my insurance go up if I use PIP?
Whether or not your insurance will go up if you use PIP depends on the insurer’s policies, as well as your state’s regulations. Typically, if you are not at fault in an accident and you make a PIP claim, you will receive payment from either your insurance company or the other driver’s insurance, and your rate will not increase.
However, if you are found to be at fault in an accident after which you...
read full answer by WalletHub, Financial CompanyIs personal injury protection required in Texas?
No, personal injury protection (PIP) is not required in Texas – it's optional. Insurance companies must offer At least $2,500 in PIP per person in PIP coverage, but you can notify your insurance company in writing that you would like to decline the coverage.
Texas drivers who don't want PIP coverage should first check to see if their insurance company has any specific requirements for declining the coverage (for example, a timeline to follow). Otherwise, all...
read full answer by Merrill Burchell, Car Insurance WriterIs personal injury protection required in Florida?
Yes, personal injury protection (PIP) is required in Florida, since Florida is a no-fault state. Florida requires $10,000 of personal injury protection for every car registered in the state or driven within the state for more than 90 days in a 365-day period. So, even if you're a seasonal resident or long-term visitor to Florida, you may need to carry Florida's minimum PIP coverage.
What Does PIP Cover in Florida?
PIP in Florida covers a certain...
read full answer by Merrill Burchell, Car Insurance WriterDid we answer your question?
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