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Personal injury protection (PIP) is not required in Pennsylvania, though drivers are required to have at least $5,000 in medical benefits coverage to pay for medical expenses stemming from an accident. Medical benefits coverage is similar to PIP, since it covers medical costs regardless of fault.
Medical benefits coverage helps ensure that everyone on the road in Pennsylvania has some financial assistance for medical payments in the event of a collision. Drivers in all no-fault states are required to have some type of medical coverage for their own injuries because they are restricted in terms of when they can sue another driver for compensation after an accident. That means medical benefits insurance (or PIP/MedPay coverage in other states) is the first line of defense for drivers who face hospital bills or a long recovery from an injury.
Car insurance usually costs more in states that require insurance for injuries regardless of fault, and Pennsylvania is no exception - Pennsylvania drivers pay an average of $1,819 per year. Car insurance in Pennsylvania is expensive because it's a no-fault state with a high population density.
|PIP required?||No, not specifically|
|Minimum medical benefits coverage||$5,000|
|Annual cost of insurance||$1,819|
|National cost ranking (1=cheapest)||17|
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