Who is covered under PIP insurance? This question is about Personal Injury Protection (PIP)

Personal injury protection (PIP) covers the policyholder and their passengers regardless of who was responsible. Named drivers will also be covered under PIP if they are injured by a car as a passenger, pedestrian, or cyclist. PIP applies to things like medical expenses and lost wages for covered individuals. Who PIP Insurance Covers The policyholder Any other named drivers Passengers in the car if a named driver is at the wheel Named drivers who are injured in a car accident, even if they weren’t driving No-fault states generally require drivers to have PIP so that they can file minor medical claims with their own insurance company after an accident, even if they were not at fault. PIP is available in some at-fault states, as well, because it’s an inexpensive way to protect against medical bills down the road. For more information, check out WalletHub’s guides to personal injury protection and car insurance for passengers.

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Who is covered under PIP insurance?

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This question is about Personal Injury Protection (PIP)

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@WalletHub • 02/25/22 This answer was first published on 12/11/20 and it was last updated on 02/25/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Personal injury protection (PIP) covers the policyholder and their passengers regardless of who was responsible. Named drivers will also be covered under PIP if they are injured by a car as a passenger, pedestrian, or cyclist. PIP applies to things like medical expenses and lost wages for covered individuals.

Who PIP Insurance Covers

The policyholder
Any other named drivers
Passengers in the car if a named driver is at the wheel
Named drivers who are injured in a car accident, even if they weren’t driving

No-fault states generally require drivers to have PIP so that they can file minor medical claims with their own insurance company after an accident, even if they were not at fault. PIP is available in some at-fault states, as well, because it’s an inexpensive way to protect against medical bills down the road.

For more information, check out WalletHub’s guides to personal injury protection and car insurance for passengers.

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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

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What is the difference between PIP and health insurance?

The biggest differences between personal injury protection (PIP) and health insurance are when they can be used and how much they cover. PIP can only be used in the event of a car accident but tends to cover a wider range of expenses than health insurance, like child care and lost wages. Health insurance can be used any time, including after an accident, but it usually only covers your direct medical costs.

Key Differences...

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How much PIP insurance should I have?

You should have $2,500 to $30,000 in PIP coverage per person in states that require personal injury protection (PIP), though exact requirements vary by state. Even if it’s not mandatory in your state, you should purchase as much PIP coverage as you can comfortably afford. For example, $10,000 in PIP coverage will ensure that you're covered for at least basic medical expenses and some lost wages.

Personal injury protection pays for your medical expenses after an accident,...

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