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FAQ: Demystifying Auto Insurance Definitions
What is Personal Injury Protection?
Personal Injury Protection, or PIP, could be a considered a beefed up version of medical payments coverage. In addition to covering medical, dental, and funeral expenses, this type of auto insurance coverage takes care of the cost of rehabilitation, psychiatric treatment, lost wages, and similar costs relating to an accident.
PIP is only available in certain states. In these states, it's often a mandatory part of your auto insurance coverage, even if you already have medical insurance. PIP coverage varies widely from state to state. Check the details on the PIP coverage available in your state when you get your online auto insurance quote.
It's a good idea to check your health plan to ensure that you don’t duplicate your coverages. However, if your health plan requires you to pay a deductible, PIP coverage may help pay it. This coverage can also help pay for items not covered by your health plan, such as dental treatment, professional nursing services, prostheses, and funeral services. If covering a health deductible or paying for these additional treatments would be valuable for you, select a medical payments coverage amount that reflects your needs.
If you already have comprehensive health insurance, the lowest limit of PIP may be sufficient. Yet, you may find that PIP provides additional benefits that you’re not currently receiving. If you don’t have health insurance, we strongly urge you to purchase the maximum amount of PIP coverage you can afford when you buy your auto insurance coverage. Don’t leave yourself vulnerable to the high price of medical care. Esurance makes it easy to find an auto insurance coverage plan that suits your needs and your wallet.
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