Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 14, 2020

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Key takeaways...

  • PIP is a form of optional car insurance which provides protection for personal injuries
  • Unlike liability insurance, which is required by all states, PIP insurance is optional in most plans
  • You will need only to submit claims to your insurance company for almost all PIP-related covered expenses

PIP is a favorite acronym in the car insurance industry and stands for Personal Injury Protection.

PIP is a form of optional car insurance which provides protection for personal injuries and medical expenses for injuries to you and other passengers receive from a car accident.

PIP also provides coverage for other items such as lost wages and minor personal expenses, but the limits can vary from one car insurance company to another.

Do you have PIP car insurance? Most car insurance companies provide PIP coverage for a very minimal cost, and all drivers should consider adding it.

Compare PIP car insurance today with a FREE car insurance quote online! Enter your zip code above to get started!

Table of Contents

What does PIP Insurance Cover?

Personal Injury Protection insurance was created to provide policyholders with coverage for injuries sustained by you and any of your passengers during a car accident.

This includes coverage (up to policy limits) for medical expenses, follow up care and more.

What’s interesting about PIP insurance is this is the part of car insurance which may also cover you should you be hit by a vehicle as a pedestrian (see your policy for details).

While the primary goal of PIP car insurance is medical expenses, PIP also extends items such as follow up care, certain personal expenses, lost wages and funeral expenses in the event of death.

PIP policy has limits so when considering adding PIP car insurance to a plan always make sure the limits suit the amount coverage you deem reasonable.

Consumers who have higher paying jobs should always consider higher limits as lost wages is a critical element of PIP car insurance.

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Is PIP car insurance required?

Before securing any car insurance policy, you should familiarize yourself with state minimum car insurance requirements and why it’s a good idea to always secure more.

Unlike liability insurance, which is required by all states, PIP insurance is optional in most.

PIP car insurance is highly recommended for drivers without health insurance coverage. In the event of an accident, the medical costs can quickly bankrupt families with PIP coverage being a bit of a safety blanket against an unforeseen disaster.

Thankfully, PIP acts in the same way as no-fault car insurance. Your PIP provider will pay claims without submitting to who was at fault and delaying the claims process.

If the accident is not my fault, does PIP insurance covers my medical expenses?

You will only need to submit claims to your insurance company for almost all PIP-related covered expenses.

Behind the scenes, two insurance companies will try to determine a fault, but this does not matter to you as your claims process stays the same.

Think PIP insurance coverage is crucial for you and your family?  We can help you get FREE PIP car insurance quotes online from a long list of car insurance companies.

Simply enter your zip code above to get started!

References:

  1. https://www.esurance.com/info/car/personal-injury-protection-coverage
  2. https://www.allstate.com/tools-and-resources/car-insurance/ask-agent-premium-deductible-limit.aspx
  3. https://www.thebalance.com/filing-auto-insurance-claim-2645925