What are the requirements?
PIP is required in several no-fault states and optional in others. Even if not mandatory, it’s a valuable add-on to help protect you and your passengers from costly out-of-pocket expenses after an accident.
Personal Injury Protection (PIP)
What is PIP insurance coverage?
Personal Injury Protection (PIP) is a type of auto insurance that covers medical expenses, lost wages, and other related costs for you and your passengers after an accident—no matter who is at fault. In some cases, it can also cover rehabilitation, essential services (like childcare), and funeral expenses.
Who is PIP insurance coverage for?
PIP is for drivers who want broader protection beyond just medical bills, especially in states with no-fault insurance laws. It’s ideal for those seeking quick, direct payment for accident-related costs without waiting for a liability determination
Questions about this coverage or a policy?
If you have any questions about this coverage or you are unsure what kind of coverages you need, please contact us.
PIP Insurance Coverage Example
Why do you need it?
Scenario:
After a rear-end collision, Jason suffers a concussion and needs physical therapy. He also misses two weeks of work due to his injuries.
How PIP Helps:
Jason’s Personal Injury Protection covers his medical bills, lost income, and transportation to his therapy sessions. It ensures he gets the help he needs without waiting for the insurance companies to determine fault.
PIP VS. Med Pay: What's the Difference?
| Feature | Personal Injury Protection (PIP) | Medical Payments (MedPay) |
|---|---|---|
|
Covers Medical Expenses |
✅ Yes |
✅ Yes |
|
Covers Lost Wages |
✅ Yes |
❌ No |
|
Covers Essential Services |
✅ Yes (e.g., childcare, household help) |
❌ No |
|
Covers Funeral Expenses |
✅ Yes |
✅ Sometimes |
|
Applies Regardless of Fault |
✅ Yes |
✅ Yes |
|
Required by State? |
✅ In some no-fault states |
✅ In a few states, optional in most |
|
Best For |
Broader coverage needs after an accident |
Supplementing health insurance for medical bills
|
Our Knowledgeable team
Holly Turner
Agency Supervisor
Holly can educate you on commercial truck insurance no matter what you are hauling. We assist long-haul and short-haul truckers, Hazmat Carriers, Fleets, etc.
Zachary Wagner
Account Manager
Zach is dedicated to serving all of his clients to the best of his ability. He will always shop his clients to maintain the lowest possible premiums with the best coverage.
Erica LeBlanc
Renewal Specialist
Erica is our Renewal Specialist so there is a good chance that you will be speaking with her when your renewal comes up. She is professional, knowledgeable and fully capable of answering any questions you have.
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