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Yes, you need PIP if you have health insurance and you live in one of the 13 states where PIP is required. If PIP is not mandatory in your state, then you do not need to purchase it, but it can still be a worthwhile investment even if you have health insurance because PIP provides additional coverage.
PIP, or personal injury protection, is a type of car insurance that pays for medical expenses after a car accident. If you don’t have PIP and you’re injured in a car crash, you can use your health insurance to pay for medical bills. However, unlike health insurance, PIP also pays for indirect expenses resulting from covered injuries, such as lost income, childcare expenses, and household services. Lastly, PIP applies to passengers in an insured vehicle, so it can be useful if you’re driving someone who does not have health insurance.
To learn more, check out WalletHub’s complete guide to PIP insurance.
People also ask
What are the no-fault states for car insurance?
There are 12 no-fault states for car insurance: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. In these no-fault states, each driver’s car insurance provider pays their medical claims after an accident regardless of who was at fault.
No-Fault Insurance States
- Florida
- Hawaii
- Kansas
- Kentucky
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah...
What's the difference between medical payments coverage and PIP?
The difference between medical payments coverage (MedPay) and PIP (personal injury protection) is that PIP covers both medical bills and non-medical expenses after an accident, like loss of income and childcare. By comparison, MedPay insurance only applies to direct medical costs and funeral expenses. Both types of insurance cover the policyholder and their passengers after any car accident, regardless of fault.
Medical Payments vs. PIP Insurance Coverage
| Category | ... | Personal Injury Protection |
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