“PIP” stands for personal injury protection insurance and is sometimes called “no-fault” auto insurance. This important car insurance coverage will come into play if you are injured in an auto accident, regardless of whether or not you are at fault. PIP helps pay for certain medical and other expenses you incur as a result of the accident. It may also cover a portion of your lost wages and essential services, such as child care, that you cannot perform because of your injuries. It can also provide coverage for funeral expenses.
Understanding Personal Injury Protection
What do PIP benefits include?
Here's an example of how your PIP coverage could come into play. Let's say you break your arm in a covered auto accident. If you have personal injury protection, you would get help paying for your accident-related medical treatments, like a sling/cast and physical therapy.
recover lost wages, too. That means you don't have to worry about important bills going unpaid. It can even help pay for substitute services, like house cleaning and child care, if you aren't able to take care of them while recovering from your broken arm.
Do I need PIP coverage?
You might. PIP coverage is not available in all states. Where available, it may be subject to state specified limits. In mandatory no-fault states, a minimum amount of personal injury protection is required in addition to your other auto insurance coverage.
PIP is a required coverage in: Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Oregon, Texas, and Utah. Certain of these states, including Arkansas and Texas will allow you to reject PIP coverage.
If you're unsure about your state's car insurance requirements or you recently moved to a new state, talk to a licensed insurance agent or broker or to your car insurance company. They are your go-to resources for all things insurance-related and will do their best to help you stay legal on the road!
How much does PIP cost?
PIP costs vary by state and driver. The cost of this coverage can increase if the insurance company requires you to cover all vehicles on your car insurance policy, not only ones specifically identified. Costs may also vary based on your driving history, policy coverage limit, and deductible.
We do our best to keep your car insurance affordable at Direct Auto & Life Insurance, whether you need to include PIP coverage on your policy or not. You always have options to explore thanks to our multiple discounts,* customized payment plans**, flexible payment methods, and low down payments!
Are Med Pay and PIP coverage the same?
No. While Medical Payments (Med Pay) and personal injury protection share some similarities, they are two different auto insurance coverages. Both help cover medical bills after an accident, regardless of who is at fault. The key difference is that Med Pay doesn't cover many of the expenses that PIP does, like lost wages, childcare, and rehabilitation treatments. Also, PIP is required in many states while Med Pay is typically an optional coverage.
Where can I get PIP insurance?
If you live in a state where PIP is offered (or a no fault state where it's required), you can get coverage online, over the phone, or at a Direct Auto & Life Insurance location near you.* Call 1-877-GO-DIRECT (1-877-463-4732) or stop by an office to learn more about PIP coverage today!
*Insurance is underwritten or administered by members of the Direct General Group, Nashville, TN and is only offered in states where we are licensed to do business. You can find this information on our website: directgeneral.com. Discounts may only apply to certain coverages and are subject to terms and conditions and may not be available in all states or distribution channels. Price may vary depending on how you buy.