Personal injury protection—also called “PIP coverage” or “no-fault insurance”—is a type of car insurance that helps cover your and your passengers’ medical expenses resulting from an accident, regardless of fault. PIP insurance is not available everywhere, but it’s required in some states and offered optionally in several others. With PIP coverage, a driver files a claim with their own insurer for injuries resulting from a covered accident.
PIP insurance varies from state to state, so it's a good idea to look at the coverage options and requirements where you live. Generally speaking, though, PIP coverage may help pay for:
While some states have laws requiring drivers to include Uninsured Motorist Coverage on their auto insurance policies, other states allow the insured to reject the coverage. If you’re not sure what your state requires, visit a DLInsure Auto Insurance location near you or give us a call at 1-987-654-3210.
Depending on where you live, PIP insurance may also provide financial protection if you’re injured by a vehicle while walking or riding your bike.
Ordinarily, PIP doesn’t provide coverage for:
Damage to your vehicle: Unlike collision coverage, PIP doesn’t provide protection for damage to your car.
Theft of your vehicle: Unlike comprehensive coverage, PIP doesn’t protect you financially if your vehicle is stolen.
Damage to another person’s property: Unlike property damage liability coverage, PIP would not pay to repair or replace someone else’s vehicle or other property if you’re at fault for the accident.
If you live in one of these , PIP may be required by state insurance laws, available as an option or included by default unless you reject it in writing, or an auto accident in which the at-fault driver does not have liability insurance or not enough of it to cover your claim.
It is worth noting that in some states, like Michigan, there are extenuating circumstances that may allow drivers to forego PIP coverage. Make sure to look up the laws in your state and consult a knowledgeable agent if you need help understanding PIP requirements.
For more information about Uninsured Motorist Coverage to your personal car insurance plan or commercial auto insurance plan, visit a DLInsure Auto Insurance location in your area.
Live in a state where PIP is offered or required? Get a free car insurance quote online or call one of our knowledgeable agents to find coverage that’s right for your situation.
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