Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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PIP InsurancePIP insurance is personal injury protection coverage. It is used to cover the injuries sustained in a car accident by the driver holding the insurance regardless of fault. PIP insurance covers medical expenses for the person carrying the auto insurance.

PIP auto insurance does not help if you are liable to pay for someone else’s injuries and someone can not use their PIP benefits to pay for your injuries. Injuries to others are coverage by liability insurance. PIP insurance can be carried in any state but is only required in no-fault states.

The following article gives additional information about PIP and no-fault auto insurance states. Read on to learn more about PIP insurance coverage and then be sure to enter your zip code above to get free insurance quotes!

How does PIP insurance work?

If you carry PIP insurance and are injured in an accident, you are eligible to receive the benefits up to the maximum amount carried regardless of whether or not the accident was your fault. The District of Columbia, Florida, North Dakota, Kentucky, Utah, Kansas, Pennsylvania, Hawaii, New York, Michigan, Minnesota, Massachusetts, and New Jersey require PIP insurance as a matter of law. The other 38 states make PIP coverage optional.

These same 12 states have what is called a no-fault insurance law. This means that no matter who is at fault in the accident, each individual pays for their own damage. The idea of no-fault insurance, which goes hand in hand with PIP insurance, was developed in 1947 in Canada. It was thought that this type of insurance would limit how many law suits were filed against the driver who is at fault in an accident, thus freeing up the legal system to deal with more serious lawsuits.

Massachusetts took on this Canadian idea in 1971. Since then 11 other states have followed. Some citizens, as well as members of state government, do not like the fact that the constitutional right to sue was completely removed in this situation. Because of this, all 12 states have since passed laws that allow lawsuits in different situations. Each state is different but generally a lawsuit it permitted if the PIP amount does not cover the injuries caused by another driver, or if the injuries caused were due to recklessness such as speeding, driving while intoxicated or, in some states, texting while driving.

PIP insurance covers more than just medical bills. Though it varies in each state, most PIP insurance will also cover things like lost wages, lawn maintenance, mileage to and from medical appointments and procedures, and other expenses brought about by the injured party’s inability to do the things he or she used to be able to do. Amounts of required coverage also vary from state to state but the average amount is $10,000 per injury per accident.

If you need PIP insurance quotes then just enter your zip code in now!

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If Your State Requires PIP

There are other things to consider when you live in a state that requires PIP insurance or, in other words, a no-fault state. In addition to PIP insurance, you will be required to purchase property damage liability insurance. This will cover damage done to the other person’s vehicle in an accident. It is obvious that having only these two requirements covers your injuries and damage to another’s vehicle but it leaves out your vehicle altogether.

This is why you should purchase comprehensive or collision coverage, unless you drive an older vehicle with no lien. This type of coverage covers your vehicle, no matter who is at fault. The last consideration is adding bodily injury coverage. This will cover injuries to passengers in your vehicle or in the other car. Bodily and property liability are required by almost every state, whereas collision and comprehensive are optional.

One thing to be aware of is the fact that no-fault states have higher insurance premiums. The reason is rather obvious. It is because you are not only covering your vehicle through collision or comprehensive coverage, but also the other driver’s vehicle through property damage liability, your injuries through PIP, and other’s injuries through bodily injury coverage. States without no-fault laws (tort states) only require half the coverage of no-fault states. Unfortunately, if you live in a no-fault state there is nothing you can do except follow the law and add the additional coverage needed to be covered in an accident.

PIP Insurance Quotes

Because no-fault insurance can be higher, it is important to shop around for the best price possible without compromising coverage. One way to do this is to use our online car insurance comparison tool. This free tool allow you to shop around by entering your information one time and then receiving rates and quotes from several top companies that you can compare. You can click to get started now!