Is PIP Available in All States?
The laws determining the limits of auto insurance coverage and the type of coverage required is different by state. For no-fault states, there is something called personal injury protection or PIP. PIP is the part of your insurance policy that kicks in to cover the expenses incurred by the driver and their injured passengers. Typically PIP is used for smaller accidents when the expense of the claims for medical, funeral or wage lost does not exceed $10,000.
Personal injury protection is available in many states that have tort-based insurance systems. Even though PIP may be offered, it may not be a wise use of your money. Many times health insurance policies provide overlapping coverage to the personal injury protection available in most states. Not only would the additional coverage be a waste of money, but PIP for medical coverage tends to be capped at low ceilings of about $50,000.
The only way to know for sure if your state offers personal injury protection, is by calling your car insurance provider and asking them. The representative you speak with will be able to provide you with the information you seek, allowing you to make an educated decision regarding the inclusion of PIP in your auto insurance coverage.
Some states are no-fault, which require the insurance policy of the driver to pay for their expenses regardless of who is at fault. A majority of states operate on a tort or liability insurance state structure, requiring proof of responsibility to determine fault and therefore what insurance company is responsible for paying the claim of the injured.