Personal Injury Protection (PIP)

Protect yourself and your passengers with PIP coverage.

PIP Insurance

Personal injury protection—also called “PIP coverage” or “no-fault insurance”—is a type of car insurance that helps cover you 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.

What Does Personal Injury Protection Cover?

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:

Medical expenses, like medication, surgery, rehab, diagnostic tests, ambulance transportation and more.
Lost wages. It may provide income replacement if accident-related injuries prevent you from working.
Service replacement. For example, PIP could cover childcare costs while you recover.
Funeral costs. It can pay for burials or cremations.

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.

Get PIP Coverage

If your state requires PIP insurance, we can help you find affordable coverage.

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What Does PIP Insurance Not Cover?

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.

Is Personal Injury Protection Required?

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.

State	Required or Optional
Arkansas	Optional
Delaware	Required
Florida	Required
Hawaii	Required
Kansas	Required
Kentucky	Required
Maryland	Required
Massachusetts	Required
Michigan	Required
Minnesota	Required
New Jersey	Required
New York	Required
North Dakota	Required
Oregon	Required
Pennsylvania	Required
Texas	Optional
Utah	Required
Washington	Optional

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.

Get PIP coverage from Direct Auto!

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.