Personal Injury Protection

Personal Injury Protection or PIP is a kind of car insurance that provides personal injury coverage for a person who is injured due to a car accident. One big advantage of Personal Injury Protection is that it is a kind of no-fault insurance coverage. This means that the PIP insurance covers the injuries arising from automobile accidents regardless of who is at fault.

Since the establishment of blame or fault is not required before paying, the insurance company can release the much needed money to pay for bills and other expenses. With this kind of insurance policy, there will be no long legal processes and stressful insurance settlement negotiations to go through before the injured parties can avail of settlement.

Personal Injury Protection Coverage

Aside from medical bills, certain PIP insurance policies also cover lost wages and other kinds of damages for the pain and suffering of the injured individual. There are also PIP policies that cover funeral costs. There are PIP insurance policies that cover not only the insured person but also those who were injured by the vehicle of the insured person.

There are Personal Injury Protection policies that provide either full or partial coverage. There are states that require only monetary settlements or only medical expenses to be compulsory. In the state of Michigan, for example, lifetime personal injury protection is extended to the insured individuals and to other injured parties.

U.S. States Where Personal Injury Protection Is Mandatory

Personal Injury Protection is not available in all states of the United States of America. However, PIP coverage is mandatory in some states like:

  • Colorado
  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah

The PIP insurance policy is also mandatory in the states of Texas and Washington, unless there is a valid written waiver made at the initial purchase of a car insurance policy. All registered drivers are required to carry up-to-date PIP insurance policies in these states.

If you live in states that do not make Personal Injury Protection mandatory, you may still apply for one just to be on the safe side. Just make sure that you chose a PIP insurance policy that is right for you.

Limitations of Personal Injury Protection

There are many kinds of PIP insurance policies available so you should do some research first before applying for one. Different insurance companies include certain clauses in their PIP insurance policies so it would be wise to read the fine print first. Some insurance companies only pay for their policy holder’s medical bills and other expenses while there are insurance companies that extend more benefits like lost wages, funeral expenses, and others.

The amount of PIP insurance coverage also varies from one state to another. It could amount from a few thousand dollars to hundred thousand dollars. Since the Personal Injury Protection insurance varies from one state to another, it is important to know the pertinent laws in your area.

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