In a nutshell
Personal injury protection (often called PIP) covers your medical expenses, regardless of who was at fault for an
accident. In some states, it's called "no fault" coverage, because it could help cover your treatment, even
if you're at fault or there were no other drivers involved in the accident.
PIP can cover things like ambulance bills, emergency room charges, follow-up medical visits, lost wages,
prescriptions, and transit to and from your appointments.
Why do I need it?
Here's a hypothetical. You slide into a tree in slick conditions and break your leg.
Now consider this. While you recover, your doctor says you can't work. Personal injury protection helps to cover
your medical bills and lost wages so that you can focus on getting well.
What you should know
PIP is required in many states. It's also a policy-level coverage, which means it applies to all cars listed on
your policy. This coverage could also help even if you're not in your car. If, say, you're injured by a car while
walking or riding your bike — even riding in someone else's car — PIP has you covered. Up to the limits you choose,
of course.
In most states, your PIP will kick in before your health insurance to cover your accident-related injuries. PIP is
required in the following states: FL, KS, KY, MD, MA, MI, MN, NJ, NY, ND, OR, PA, and UT.
PIP is optional in TX and WA.
PIP is complex and varies by state. But rest assured. When you get a quote, we'll only show you the limits that are
available and/or required where you live.
Who's covered?
PIP is designed to protect you whether you're injured in your car or someone else's. It can also protect your
kids (if they're living with you), your spouse, and others in your car — as long as they don't have their own
PIP coverage. Who's covered depends on your state's laws.
Honestly, PIP is very complicated and varies in every state. So be sure to read your policy carefully if you
live in a state where it's required.
Does it matter who's at fault?
Nope. PIP covers you regardless of who was at fault for the accident.
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