What is Personal Injury Protection coverage?

Injury-Related Expenses from an Accident


What is Personal Injury Protection coverage? 

Personal Injury Protection (PIP), also known as ‘no-fault insurance,’ is auto insurance coverage that assists in paying for medical bills, rehabilitation, and other essential costs if you or your passengers are injured in an accident. This means that regardless of who’s at fault, PIP steps in to provide a safety net for all parties involved in the accident.

Also known as PIP, this coverage helps pay for injury-related expenses from an accident
Bodily Injury Liability

How much does Bodily Injury Liability insurance cost?

PIP covers you (the policyholder) and your passengers for several expenses related to your auto accident and recovery.
PIP coverage is not just for drivers. It extends its protection to you as a passenger in another person’s car or if you’re struck by a vehicle as a pedestrian or while bicycling.

The specific expenses covered by Personal Injury Protection vary depending on your insurance company, the state you live in, and your policy limits.


Rehabilitation costs.

This includes physical and occupational therapy as part of your recovery.


Childcare expenses

PIP can help with childcare costs if your injuries make it impossible for you to provide proper care for your children.


Lost Income

In some cases, claims may involve payment when there is emotional stress or prolonged pain from an accident.


Nursing care

If you need medical assistance while recovering from your injuries at home, PIP can help with the cost


Funeral Expenses

This includes burials and cremations.

What does Personal Injury Protection not cover?

  • Damage to your car
  • Damage to other people’s property
  • Injuries caused to other drivers involved in an accident
  • Injuries sustained by accidents that are caused intentionally
  • Injuries caused by an uninsured vehicle that you or an immediate family member own
  • Injuries caused by accidents that occur while a driver is committing a crime
  • Injuries from accidents that occur while a covered driver is using their car as part of their job

Is PIP Required by Law?

Auto insurance laws vary based on where you live. If you live in a no-fault state (where each person must cover their own medical expenses if they’re injured in an accident, regardless of fault), PIP coverage is mandatory. All drivers are required to have the state’s minimum PIP coverage.

Currently, PIP coverage is required in the following 12 states:

  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Utah

Is PIP Required by Law?

The minimum amount of PIP coverage you need (if any) is determined by the Lucky for Yall, you in Texas.

Even if you live in a state where PIP isn’t required, it can be valuable protection in case of an accident. Choosing to go without coverage means you’re taking on more financial risk should an accident occur.

Ultimately, the flexibility of PIP coverage empowers you to make the best insurance decisions for yourself, tailoring it to your unique needs. This flexibility gives you a sense of control and assurance in managing your insurance.

PIP coverage offers flexibility to customize your insurance based on your unique needs. For instance, if you reside in Oregon, the state mandates a minimum PIP coverage of $15,000 per person. However, consider raising this limit, particularly if you lack a health insurance plan.


Property Damage

In most cases, the Personal Injury Protection policy will cover you and your passengers. It may pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident


Medical Payment

In most cases, the Medical Payment policy will cover you and your passengers. It may pay for your medical treatment,

// faq

Common questions about car insurance

What is car insurance?

First, let me start with the basics—an individual must purchase liability insurance for their vehicle (and thus its owner) to be considered “insured” under state law. This rule applies across all circumstances- even if no accidents take place!

This protection exists so others may not suffer financially due to injuries sustained during a collision. We also offer Collision insurance if your vehicle needs repairs after an accident and comprehensive coverage if your car is vandalized.

How can I save money on car insurance?

The first way to save on car insurance quotes is by ensuring that your vehicle meets the minimum safety standards.

This will also help avoid costly repairs in case of an accident, leading you into a higher premium rate category due to being risky drivers!

You should consider reviewing any existing coverage aspects as well if they’re not up-to-par with current market rates – this includes both physical damage protection beyond merely bumper-, windshield-, comprehensive and collision-.

How do I file a car insurance claim with Risk Coverage?

Like many of our policyholders, the company that provides you with car insurance can be a life-saver, and we’re here to help. Log onto Risk Coverage’s website or call us if your car needs immediate attention, so we’ll ensure it gets the best care possible!

Should I get an umbrella policy too?

If you’re involved in an auto collision, and the other person’s fault is unclear, it may be time to consider getting extra protection.

Umbrella policies offer increased financial compensation for injuries, damage done on behalf of a covered individual that results from accidents occurring outside their control (such as driving into traffic), plus legal fees that will arise.

What are auto insurance coverages available?

Insurance for auto policies varies by state, but the basics of an auto policy include multiple coverages.

Some common types are liability (to protect against physical injury), comprehensive (for damage), and collision(to assist with reporting accidents).

You might also need medical payments or personal effects coverage if you rent cars regularly due to various restrictions in some states – these will depend entirely upon your specific situation!

Does car insurance cover rental cars?

Your car insurance may provide coverage for rental cars. To find out, call Risk Coverage to see if your current auto insurance policy covers rental vehicles.

Risk coverage will never let you walk away without vehicle rental. If you have full range, why? Because in certain situations, for $2 a month, you can be covered if you get in an accident and need a vehicle to continue getting around.

There are some benefits of having Credit cards since some provide discounts for renting a car. Some credit cards offer additional coverage but make sure you understand the terms and conditions, including any limitations on the type and amount of coverage.

What do I need to get an auto insurance quote?

To get the most accurate quote on new policies, you need to supply your car’s make, model, year, and information about your driving history. You’ll need your vehicle identification number (VIN) handy to purchase an auto policy. We’ll also ask for your driver’s license number.

Not sure which coverages to select? Our car insurance calculator can help you estimate your coverage needs. Ready to get started? Get a quick car insurance quote online or call us.

//Talk to an Insurance Expert

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