Personal Injury Protection (PIP)
Covers medical expenses and lost wages for you and your passengers, regardless of who caused the accident.
What is PIP Insurance?
Personal Injury Protection (PIP), also known as no-fault insurance, covers medical expenses, lost wages, and other costs for you and your passengers after an accident, regardless of who was at fault. It's required in no-fault insurance states.
PIP helps you get immediate medical treatment without waiting for fault to be determined or the other driver's insurance to pay. This speeds up the claims process and ensures you get care when you need it.
What Does PIP Cover?
Medical Expenses
Hospital bills, doctor visits, surgery, X-rays, rehabilitation, and ongoing medical treatment.
Lost Wages
Covers a percentage of your income if you can't work due to accident-related injuries (typically 60-80%).
Funeral Expenses
Pays for funeral and burial costs if someone dies in an accident covered by your policy.
Services Replacement
Covers costs for services you can't perform due to injuries, like childcare, house cleaning, or lawn care.
Survivor Benefits
Provides death benefits to dependents if the policyholder dies in a covered accident.
No-Fault vs. At-Fault States
No-Fault States (PIP Required)
Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah
Your own insurance pays your medical bills regardless of fault.
At-Fault States (PIP Optional)
All other states. PIP may be available as optional coverage called MedPay.
The at-fault driver's insurance pays for injuries.
Coverage Limits
PIP limits typically range from $2,500 to $250,000, depending on state requirements and your chosen coverage level.
Average Cost
Annual Premium
$150-400/year
Varies by state requirements and coverage limits
What coverage level do you need?
Choose the protection that matches your requirements