For Consumers

Personal injury protection (PIP)

What is PIP?

PIP is insurance coverage you add to your auto policy. If you're in an auto accident it'll help pay for (up to certain limits):

  • Medical expenses
  • Wage loss
  • Loss of services
  • Funeral expenses

PIP applies no matter who is at fault. But be aware there are some situations when it doesn't apply.

Do I need PIP?

  • It's your choice. You don't have to buy PIP, but by law ( your insurance company must offer it to you.
  • If you don't want PIP, you must reject it in writing. If you don't reject it in writing, your company has to add it to your policy and charge you for it.

Who's covered on PIP

  • Person named on the policy
  • Household residents related by blood, marriage or adoption
  • Step or foster children
  • Any non-family passengers and pedestrians involved in an accident

How much does PIP cover?

  • Up to $10,000 for reasonable and necessary medical expenses for each person injured in an auto accident. This is available for up to three years from the date of the accident.
  • Up to $2,000 for funeral expenses.
  • Up to $200 per week ($10,000 total) for income replacement coverage. This is limited to one year after someone's been disabled for 14 consecutive days after the accident.
  • Up to $200 per week ($5,000 total) for loss of services (payment to non-family members for work you can’t do).

You can buy more coverage. Check with your insurance company or agent.

What PIP costs

  • The cost for PIP coverage varies with each company.
  • Keep in mind: If you choose to buy PIP coverage, the insurance company may require you cover all of the vehicles listed on your policy.
  • The more vehicles on your policy, the more you’ll pay.

What PIP doesn't cover

PIP doesn’t cover injuries caused by using:

  • Farm equipment
  • Recreational or off-road vehicles
  • Mopeds
  • Motorcycles (PIP coverage may be available on motorcycle policies and is typically expensive)

PIP also doesn’t cover:

  • Intentional injuries caused by the insured person
  • The insured person if they're injured in organized racing activities
  • An insured person while they commit a felony

PIP doesn't cover services that your insurance company decides are not:

  • Reasonable
  • Necessary
  • Related to the accident
  • Incurred within three years of the auto accident