Personal Injury Protection Coverage

What is personal injury protection coverage?

Personal injury protection (PIP) helps pay for covered medical expenses caused by an auto accident. PIP can be used whether you're at fault for an accident or not. It can also be extended to certain family members that live in your home.

Some states require you carry PIP on your auto policy. You may also see this coverage called no-fault coverage.

Let's find the right coverage for you.

What does personal injury protection cover?

PIP coverage rules vary by state. Each state determines who is covered and the required limit(s) for PIP. In most states, PIP covers you and your resident relatives. Your passengers may also be covered. However, some states may require that passengers who have an auto policy file with their own policy for PIP coverage. Other states may require the passengers to occupy a vehicle owned by you to qualify for PIP coverage under your policy. For more information about your state, you can check out our state information pages.

Examples of expenses covered by PIP are:

  • Medical bills
  • Lost Wages
  • Nursing care
  • Medical supplies
  • Prescriptions
  • Replacement services
  • Funeral services

PIP may also provide coverage if you are struck by a vehicle as a pedestrian.

What is the difference between personal injury protection and medical payments coverage?

Both PIP and medical payments may provide coverage for you and your relatives living with you. PIP and Med Pay may also provide coverage for your passengers. The main difference between the two coverages is what they'll cover in an accident related injury.

Medical payment coverage helps pay for expenses for medical treatment of the injury incurred in an accident. It may also provide coverage for funeral expenses if death is caused by the injuries from the accident.

PIP helps pay for medical treatment and other expenses beyond medical treatment. These expenses can include lost wages or paying someone to perform tasks you can't perform due to your injuries.

Should you get personal injury protection?

if your state requires it, you'll need it to legally drive on the roads. If it's optional in your state, you may still want to buy PIP to help protect you if you're injured in an accident.

If you don't have the option to purchase PIP, you may want to consider medical payments coverage.

How much PIP coverage should you get?

Each person is different, and some states allow you to customize your PIP limits or deductibles.

A good starting place is to think about what medical coverage you may already have. This can include things like health insurance. With that information, you have a better starting place to help choose what works best for you. Depending on your state, you may be able to select:

  • Deductible amount
  • Priority of coverage with health coverage
  • Limit of coverage
  • Individuals covered by PIP

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.