Personal Injury Protection

What is personal injury protection?

Personal injury protection (PIP), also known as PIP coverage or no-fault insurance, is a type of car insurance coverage that can help pay for specific medical, hospital, and funeral expenses that result from a car accident—regardless of who is at fault. It could also reimburse you for lost wages.

The goal of PIP coverage is to quickly provide funds to help cover medical expenses you incur as the result of an auto accident. There's no need to go to court, figure out which driver was at fault, and then wait for the money. In a way, PIP helps you pay for the post-accident care you need, sooner.

Personal injury protection only applies to bodily injuries and does not cover damage to your car or other property. If you do not have health insurance, PIP can prove especially valuable since you could end up with a big medical bill after a major accident.

PIP coverage applies to you, residents of your household, passengers in your insured vehicle, and pedestrians who are injured in a car accident. PIP coverage is not available in all 50 states. Where available, PIP may be required or optional.

What does personal injury protection cover?

PIP coverage varies from state to state, so it's always best to check with your Direct Auto Insurance agent if you have questions.

In general, PIP coverage can help pay for:

  • Medical expenses: PIP pays for a range of medical costs, including medication, surgery, rehab, diagnostic tests, and ambulance transportation. It could even help pay for psychiatric and chiropractic services following a car accident.  
  • Lost wages: If your accident-related injuries prevent you from working, PIP may help you keep your head above water by supplementing your income while you cannot work.
  • Service replacement: Can't clean the house or care for the kids because of your accident-related injuries? PIP can help pay for someone to take care of these things for you, so you don't have to go without while you recover.
  • Funeral costs: In the unfortunate event that your accident-related injuries lead to death, PIP can help support your family by paying for funeral expenses.

Real Life Scenario: You're injured in a car accident and have to spend three days in the hospital. As a result of being in the hospital, you miss work, and your kids have to stay overnight with their babysitter. Depending on your PIP limits and deductible, your PIP insurance would help cover the cost of your hospital stay and related medical expenses, and the expenses you incurred for childcare, as well as your lost wages. However, any costs associated with the vehicle involved would not be covered by your PIP coverage.

Do I need personal injury protection? 

Yes, if you live in a state that requires PIP insurance, then you need to meet the insurance requirements in your state. Where available, PIP may be subject to state-specified limits.

States that require PIP insurance coverage include Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, and Utah, as well as Washington D.C. and Puerto Rico.

Some states, like Arkansas and Texas, allow you to reject PIP coverage. If you don't see your state listed above, talk to your Direct Auto insurance agent about PIP availability in your state.

But I already have Med Pay

Personal injury protection insurance and Medical Payments (Med Pay) share some similarities, but they are two very different coverages. Med Pay only covers medical expenses. It does not help pay for accident-related expenses like lost wages and childcare. Also, PIP is required in many states while Med Pay is usually optional.

Call Direct Auto for PIP insurance

Ask a driver in Florida and Texas, "What is PIP?" and you'll likely get two different answers. PIP coverage varies from state to state. Your Direct Auto Insurance agent can help! Call 1-877-GO-DIRECT (1-877-463-4732) to learn about PIP limits and benefits in your state, or stop by a Direct Auto location near you. Start fresh with affordable car insurance or add PIP coverage to your current policy today!