Personal injury protection (often called PIP) covers your medical expenses, regardless of who was at fault for an accident. In some states it's called "no fault" coverage, because it could help cover your treatment, even if you're at fault or there were no other drivers involved.
Say you slide into a tree in slick conditions and break your leg. PIP covers things like ambulance bills, emergency room charges, follow-up medical visits, lost wages, prescriptions, and transit to and from your appointments.
In some states, your PIP will kick in before your health insurance to cover your accident-related injuries.
PIP is required in the following states: FL, KS, KY, MD, MA, MI, MN, NJ, NY, ND, OR, PA, and UT.
PIP is optional in TX and WA.
PIP is complicated to say the least, and requirements vary by state. But rest assured — when you get a quote, we'll only show you the limits that are available where you live.