What is Personal Injury Protection (Pip)
Personal injury protection (PiP) is required in some states. It comes with your auto insurance policy. Personal injury protection was created to limit the right to sue for injuries suffered in a car wreck. Personal injury protection will cover you and your passengers no matter who’s fault the accident was. Pip is often called no-fault insurance. What Pip will cover will vary from state to state, but some of the most common things pip cover are:
- Medical Expenses due to injury suffered in a car accident
- Emergency Medical Service( Ambulance)
- Income Loss
- Accidental Death
- Funeral Expenses
- Loss of companionship
- Survivor Benefits
Personal Injury Protection (Pip) will not cover the following injuries in most states:
- injuries suffered on farm equipment
- Mopeds
- Motorcycles
- recreational and off road vehicles
- intentional injuries
- racing events or organized racing
- injuries suffered while in the commission of a felony
Personal Injury Protection will cover the following medical services
- reasonable medical care
- medical care that is related to the car accident
- Necessary medical treatment
- Medical treatment with in three years of accident date
What states require Personal Injury Protection?
The states listed below are required to offer personal injury protection. The amounts are listed beside the state
- Colorado-5,000 per person, can refuse coverage
- Delaware-15,000 per person, 30,000 per accident
- Florida-10,000
- Hawaii-10,000
- Kansas-4,500 rehabilitation, 4,500 Medical Treatment, 2,000 Funeral Expenses
- Kentucky-10,000
- Maryland-2,500 can refuse coverage, but it must be provided to the passengers
- Massachusetts-8,000
- Michigan-10,000
- Minnesota-40,000
- New jersey-15,000
- New York-50,000
- North Dakota-30,000
- Oregon-15,000
- Pennsylvania-5,000- also called medical benefit coverage
- Texas-2,500
- Utah-3,000
- Washington-10,000 Can refuse coverage
How much does Personal Injury Protection Cost?
Personal injury protection cost vary by state. You can count on paying anywhere from 5-50 dollars extra a month for Pip. In some states personal injury protection cost just as much as health insurance. Check with your insurance agent to determine the cost of personal injury protection.
Insurance companies listed below offer Personal Injury Protection (Pip)
How much Personal Injury Protection should I have?
When buying Pip or personal injury protection, you should consider the following
- Are you young?
- Do you have good health insurance?
- Do you travel alone?
If you are any of the above, you may want to consider buying the minimal coverage for your state
- Carpool
- Pickup or drop off children in your vehicle for functions other than family
- Travel with friends often
- Don’t have health insurance
If any of the above apply to you, you may want to have additional coverage for you and your passengers. If you are the car owner and you have an accident, you may be responsible for any passengers in your vehicle.
Personal injury doctor can help you if you have been injured in a car accident. You can find a doctor who specializes in auto accident cases. Please contact us if you have any questions