What Is Personal Injury Protection For Car Insurance?

By Mike Anderson Posted in Car Insurance News

Personal Injury Protection

Personal injury protection, also referred to as PIP, is a type of add-on insurance available for purchase in most states. It covers medical expenses, lost wages and other expenses incurred after an accident. Personal injury protection insurance is meant to be used regardless of fault in an accident. It can be purchased in addition to a liability policy or as extra coverage on a comprehensive plan. If you live in a no-fault state it could be required by your insurance company. You can purchase anywhere from $15,000 to $250,000 in additional personal injury protection insurance. Not only will it cover your own medical expenses, it can also cover injuries received in a pedestrian accident (if you hit a pedestrian) and even funeral expenses. This type of insurance is not offered in all states.

No-Fault States

Many states have adopted a no-fault policy regarding accidents. Regardless of whose fault it is, your insurance has to cover your portion of repairs and medical expenses. These states require personal injury protection insurance to cover the cost of accidents. The states that require personal injury protection insurance are Hawaii, Florida, Delaware, Michigan, Kentucky, Kansas, Massachusetts, Minnesota, New York, New Jersey, Oregon, Texas, Pennsylvania, Utah and North Dakota. Some states may allow personal injury protection insurance payouts even if you have a workman’s comp claim (if you are injured in a car accident while on duty).

Auto Medical Payments Coverage

States that do not have no-fault status and do not offer personal injury coverage may offer something called auto medical payments coverage. Auto medical payments coverage is also a first-party plan and is available regardless of fault status. This type of insurance would cover any medical expenses for any passengers in your car and other drivers/passengers if you are in an accident. Fault status is not necessarily important. If the other driver caused the accident and their insurance does not cover all of your medical expenses, then PIP and AMP insurance would kick in to cover the difference. This type of insurance is not offered in all states.

Related posts:

  1. How Does Bodily Injury Liability Coverage Work?
  2. New Minimum State Requirements For A New York Auto Insurance Quote
  3. New Minimum Michigan State Requirements For Ann Arbor Car Insurance
  4. How Do I File An Auto Accident Personal Injury Insurance Claim?
  5. Do You Need Car Insurance In A No Fault State?

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