PIP Insurance

PIP insurance (personal injury protection) covers medical expenses as well as lost wages. It is available for anyone driving in your car and you. It is mandatory in states that are not at fault and optional in other states.

What is PIP insurance?

You may be wondering what personal injury protection is. Your car insurance policy has several sections that cover injury and damage. The coverage required to protect the other car and its occupants is mandatory. However, coverage that covers you, your passengers and your car might not be necessary. Personal injury protection (PIP), which protects you and your passengers from injuries, falls under the second category.

PIP coverage is available regardless of fault. This is why it’s mandatory in states that have no-fault laws. Your liability insurance will pay for injuries sustained by others in an accident. However, PIP will be required to cover medical expenses incurred by you and your passengers. It is worth considering adding PIP coverage if you are a frequent driver in your car with other people.

What is personal injury coverage?

PIP generally covers medical expenses, such as hospital care, xrays, surgical costs and diagnostics. It also covers rehabilitation costs. PIP covers your lost wages, which is not covered by bodily injury liability. It also covers you if someone needs to visit you at home to do household chores if you are incapacitated from work due to an accident.

Damage to your car and the other vehicle is not covered by PIP. For example, if your car is damaged by an icy road, or if it slides on a slick surface, then PIP coverage will not cover the cost of fixing it. PIP does not provide compensation for pain or suffering.

The maximum amount of PIP coverage is different from one state to the next. In New York, for example, you can claim coverage up to $50,000 and $2,000 for earnings loss. States may regulate who can file a PIP claim. in NY states that motorcyclists, scooter drivers, and those under the influence cannot file a claim under PIP.

How much does PIP cost?

The cost for your car insurance premiums is determined by many factors. Age, gender, marital status and make of your car all have an impact on your premiums. These factors can make it difficult to determine how much PIP will cost.

What states are eligible for PIP?

Some states are considered no fault, which means that each driver is responsible for paying their own costs after an accident. PIP insurance covers medical expenses as well as lost wages. It is available for you and your passengers. Drivers in no-fault states are often required to have PIP coverage.

Some states allow you to opt out if you can show proof of medical coverage such as Medicare or private insurance. Opting out must be done in writing.

What personal injury protection do I need?

You will need to include PIP coverage if your state has no-fault laws. Even though it’s optional, it might be worth considering.

Personal injury protection coverage, for example, can be combined with your existing health insurance policy to provide greater coverage. It will likely cover any injuries sustained in an accident.

If you frequently drive with passengers, PIP can be a great idea. It covers everyone who rides with you. PIP gives you some assurance that your passengers’ medical bills will be covered, even though it is impossible to know what type of insurance they have.

Questions frequently asked

What is personal injury insurance?

PIP insurance covers you and your passengers for medical expenses and lost wages. In some states, PIP is mandatory.

Is PIP required in my state

Check our list to see if you need PIP. Or, go to the extensive listing provided by the Insurance Information Institute. This lists all required coverages for each state.

What will PIP do for me if I’m in the hospital?

Yes, to the maximum amount allowed by the policy. You may not be able to work, but it may cover your lost wages.

What about rehabilitation services? What about rehabilitation services? Does PIP cover that?

It could. Talk to your agent to learn more about your PIP insurance coverage.

What is the difference between PIP and bodily injury liability?

Yes. Yes. Your medical injury coverage covers the driver and passengers of the other vehicle in case of an accident. PIP pays for your medical expenses and those of your passengers.

Is PIP the exact same thing as MedPay?

It’s not exactly. MedPay only covers medical expenses after an accident. PIP will cover those costs as well as rehabilitation costs and lost wages. You also get a death benefit that pays for funeral expenses.