Personal injury protection insurance (PIP insurance) is a crucial kind of car insurance that’s also legally required in many states. Also called no-fault insurance, PIP insurance immediately covers medical costs, hospital bills, and expenses not covered by your health insurance in the event of a car accident, no matter who was at-fault.
PIP insurance does not, however, cover the costs of car repair.
As briefly mentioned, PIP insurance is a type of car insurance that covers medical expenses, no matter who was at-fault in an accident. It necessitates that drivers use their own coverage to pay for basic medical expenses in the event of an accident.
The point of PIP insurance is to ensure drivers in accidents receive care for injuries sustained without the sometimes drawn-out process of determining who caused the accident.
You can get the medical care you need, right away.
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Medical Bills. From costs associated with surgical and medical treatment, optometric and dental bills, ambulance and nursing services, medical supplies, medication, and prosthetic devices, PIP coverage can pay for all (or some) of the expenses.
Substitute Services. Some PIP insurance plans will cover services like cleaning and cooking if the injuries you sustained in an accident keep you from performing household tasks.
Funeral Expenses. In cases where the accident results in death, PIP coverage may help cover funeral expenses.
Lost Wages. Depending on your specific circumstances, PIP insurance may be able to help you recover your last wages as a result of injuries from an accident.
Child Care Expenses. If your accident leaves you unable to care for your children and you need to hire someone or a service to help, PIP coverage may help you cover the added expense.
Survivors Loss. Some PIP plans provide financial support to dependents of people killed in car accidents, thereby replacing the income that the deceased would have otherwise provided.
PIP car insurance can cost anywhere from $50 a month to $100 per month. The exact cost will depend on the usual variables, including your age, the model of your vehicle, and the amount of coverage you desire.
Get a free PIP insurance quote here and now and we’ll match you with the best (and most affordable) provider for your unique needs.
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States, where PIP is required, include:
Even if you do not require PIP car insurance, it is certainly worth your while to at least consider it. Remember: it’s the insurance that’s going to make sure your medical expenses are covered, without having to wait to see who is deemed at-fault.
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If you live in one of the states that requires PIP insurance, then yes, you do.
Yes, they are.
Generally from $50 to $100 per month, depending on how much coverage you want, your age, what type of vehicle you drive and other factors.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
