Yes, personal injury protection (PIP) is required in Hawaii. Drivers in Hawaii are required to have at least $10,000 of PIP coverage for medical expenses, plus additional categories of coverage for especially serious accidents.
Personal injury protection helps ensure that everyone on the road in Hawaii has some financial assistance for medical payments in the event of a collision. Drivers in all no-fault states are required to have PIP because they are restricted in terms of when they can sue another driver for compensation after an accident. That means PIP coverage is their first line of defense if they face hospital bills or a long recovery from an injury.
The best way to find cheap PIP insurance is to shop around and compare quotes from several insurers in your state. The personal risk factors that can affect how much you pay for PIP (personal injury protection) are the same ones that affect the pricing of any type of auto insurance. These include your claims history, credit history, location, driving record, age, and gender. As with all types of insurance, different insurance companies weigh each factor differently, resulting in a range of prices. That’s why you need to compare quotes to find cheap PIP insurance for your situation.… read full answer
However, the primary factors that can make PIP expensive are beyond your control. State law sets minimum and maximum coverage limits for PIP in your location, and that’s a huge part of determining premiums. For example, PIP will naturally be more expensive in a state that requires unlimited coverage for lifetime medical costs related to an accident than in one with low mandatory limits.
Another key factor that affects the cost of PIP insurance in some states is the prevalence of fraud. PIP is a common target of fraud, with people often faking accidents or falsifying medical claims to get payouts they don’t deserve. In states with a large amount of PIP fraud, like Florida and Michigan, the costs associated with that fraud get passed on to policyholders in the form of higher premiums.
The thirteen states that require PIP insurance, also known as personal injury protection, are Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. All 13 of these PIP states are “no-fault states.” PIP coverage is also available, but optional, in 6 additional states, plus Washington, D.C.… read full answer
Minimum PIP Coverage
$15,000 per person, $30,000 per accident
(plus $5,000 for funeral services)
$10,000 per person
$10,00 per person
$4,500 per person
(plus a $2,000 burial benefit or up to $10,000+ for care/lost wages)
$10,000 per person, per accident
$2,000 per person*
$8,000 per person, per accident
(drivers who receive Medicaid can opt out as of July 2020)
($50,000 per person starting July 2020)
$40,000 per person, per accident
$15,000 per person, per accident
(up to $250,000 for certain life-altering injuries)
$50,000 per person
(plus a $2,000 death benefit)
$30,000 per person
$15,000 per person
Medical Benefits Required
$5,000 per person, per accident*
$2,500 per person
(plus up to $100/week for lost wages for up to 12 months, in some cases)
$10,000 per accident
$50,000 per person
(plus $12,000 per person for lost wages and $4,000 for funeral expenses)
*Reflects this state’s minimum coverage required for medical benefits, not PIP specifically. In New Hampshire, this minimum only applies to drivers who decide to purchase coverage.
PIP insurance covers medical expenses for you and your passengers after an accident, no matter who is at fault. These expenses include ambulance fees, medical and surgical treatments, and prescriptions. PIP can also reimburse you for lost wages, home care expenses, and even funeral expenses.
You will need personal injury protection (PIP) insurance if you live in one of the 12 states that require it. Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah all require PIP insurance. You may also need 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.… read full answer
In the 20 states (plus Washington, D.C.) where it is required or offered as optional protection, PIP covers medical expenses for the policyholder and his or her passengers after an accident, no matter who was at fault. However, PIP is not available at all in the 30 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?
Health insurance deductibles
Home care such as cleaning or child care
If you are in a car accident, PIP often works in conjunction with your health insurance coverage. Most health insurance deductibles must be paid before benefits start to be paid out, but your PIP may have a cheaper deductible, or no deductible at all.
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. State limits on PIP vary widely, from $3,000 in Utah to New York’s $50,000 requirement. If your state has a low upper limit on PIP, MedPay coverage could act as a beneficial supplement. In a couple states – namely, Maine and New Hampshire – MedPay is used instead of PIP.
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