{"id":990,"date":"2020-07-10T15:00:11","date_gmt":"2020-07-10T22:00:11","guid":{"rendered":"https:\/\/freedomgeneral.com\/blog\/?p=990"},"modified":"2021-08-04T08:41:11","modified_gmt":"2021-08-04T15:41:11","slug":"what-is-personal-injury-protection-coverage","status":"publish","type":"post","link":"https:\/\/freedomgeneral.com\/blog\/what-is-personal-injury-protection-coverage\/","title":{"rendered":"What is Personal Injury Protection Coverage?"},"content":{"rendered":"\n<p>Many people who are trying to better understand their car insurance coverage have asked the question\u2014 what is personal injury protection coverage? Personal injury protection coverage (PIP) can be an important part of your insurance coverage in the event of a car accident, particularly if you\u2019re injured in an accident. It covers medical expenses and much more for you and your passengers. Fortunately, even some <a href=\"https:\/\/freedomgeneral.com\/\">cheap car insurance<\/a> providers can help you purchase PIP coverage without breaking the bank.<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Auto Insurance Basics: MedPay and PIP\" width=\"610\" height=\"343\" src=\"https:\/\/www.youtube.com\/embed\/5bdtTOvZ9Do?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What is personal injury protection coverage (PIP)?<\/h2>\n\n\n\n<p>So, what is personal injury protection coverage? Personal injury protection, usually referred to as PIP and also known as \u2018no-fault\u2019 insurance, will cover the medical bills and costs associated with necessary physical rehab for you and any passengers in your vehicle who are injured in a car accident, up to the PIP limit on your policy.<\/p>\n\n\n\n<p>What makes personal injury protection coverage different from standard bodily injury liability insurance or MedPay is that liability insurance pays for the medical expenses of people in <em>other&nbsp;<\/em>vehicles when you\u2019re at fault for an accident. PIP, meanwhile, covers you or people in <em>your<\/em> car when there\u2019s an accident, regardless of who\u2019s at fault. States that offer or require PIP are known as &#8216;no fault&#8217; states, which means that your insurance can cover your medical bills and lost earnings regardless of who was at fault in the incident. The no-fault states are District of Columbia, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.<\/p>\n\n\n\n<p>You can also be covered by PIP insurance if you\u2019re riding as a passenger in someone else\u2019s car while they\u2019re driving, or if you\u2019re struck by a vehicle while you\u2019re either walking or biking.<\/p>\n\n\n\n<p>Sometimes, your PIP insurance might have some crossover with your standard health insurance, and we\u2019ll get to that later. But for now, just know that PIP is designed to specifically cover injuries related to car accidents. These can sometimes be excluded from. or not fully covered by, some health insurance policies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When do you need PIP insurance?<\/h2>\n\n\n\n<p>Personal injury protection coverage can be important in some of the cases outlined above, but in the&nbsp;states where it\u2019s a legal requirement, you must have it. PIP insurance is required in the following states:<\/p>\n\n\n\n<p><em>Delaware<\/em><\/p>\n\n\n\n<p><em>Florida<\/em><\/p>\n\n\n\n<p><em>Hawaii<\/em><\/p>\n\n\n\n<p><em>Kansas<\/em><\/p>\n\n\n\n<p><em>Kentucky<\/em><\/p>\n\n\n\n<p><em>Maryland<\/em><\/p>\n\n\n\n<p><em>Massachusetts<\/em><\/p>\n\n\n\n<p><em>Michigan<\/em><\/p>\n\n\n\n<p><em>Minnesota<\/em><\/p>\n\n\n\n<p><em>New Jersey<\/em><\/p>\n\n\n\n<p><em>New York<\/em><\/p>\n\n\n\n<p><em>North Dakota<\/em><\/p>\n\n\n\n<p><em>Pennsylvania<\/em><\/p>\n\n\n\n<p><em>Utah<\/em><\/p>\n\n\n\n<p>If you live in one of these states, then you\u2019ll be required to have <a href=\"https:\/\/freedomgeneral.com\/\">PIP coverage<\/a> as part of your car insurance policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do you need PIP insurance if you have health insurance?<\/h2>\n\n\n\n<p>If you live in a state that requires you to have PIP coverage, then this question is a moot point. But even in the states where PIP isn\u2019t required, PIP insurance can still be extremely helpful and offer you benefits and protection you won\u2019t always get from your health insurance alone. For example, did you know that PIP insurance can cover funeral costs and wages or earnings you might lose as a result of injury and treatment that occurs due to an accident?<\/p>\n\n\n\n<p>Here&#8217;s an example scenario: Let\u2019s say you\u2019re involved in a car accident that leaves you injured enough that you require hospitalization, doctor visits, and missing work for some time as you recover. Your health insurance might cover the injuries themselves and any associated medical and rehabilitation costs, while your personal injury protection coverage would cover other financial losses that result from the accident and injury\u2014 money lost while you were unable to work, for example.<\/p>\n\n\n\n<p>This is why it\u2019s worthwhile to consider PIP insurance even if it&#8217;s not required by your state and even if you already have health insurance. It could help you avoid unexpected costs in the case of a serious accident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does personal injury protection insurance cover?<\/h2>\n\n\n\n<p>Now that you have more of an answer to the big question\u2014what is personal injury protection coverage\u2014 let\u2019s go into a bit more detail on what exactly it can cover.<\/p>\n\n\n\n<p>PIP insurance will cover medical procedures, treatment, and rehabilitation for injuries sustained as a direct result of your accident. In some cases, it can also cover your health insurance deductible. Which specific costs will be covered under your personal injury protection coverage will vary depending on what your state requires by law, but in general, it tends to cover the following areas:<\/p>\n\n\n\n<p><em>Hospital Stays<\/em><\/p>\n\n\n\n<p>If you\u2019re seriously injured as a result of an accident, you\u2019ll need to spend some time in a hospital or medical facility. Your PIP coverage will cover costs associated with these stays, up to the limit on your PIP coverage.<\/p>\n\n\n\n<p><em>Surgery &amp; Operations<\/em><\/p>\n\n\n\n<p>If your injuries are serious, they may require an operation or other surgical procedure. Your PIP coverage will help pay for these procedures.<\/p>\n\n\n\n<p><em>Doctor Visits<\/em><\/p>\n\n\n\n<p>Long-term recovery often requires ongoing doctor visits and check-ups, and PIP will help cover these for any visit related to the injuries sustained in an accident by you or one of your passengers.<\/p>\n\n\n\n<p><em>Ongoing Care &amp; Rehab<\/em><\/p>\n\n\n\n<p>If you experience injuries that require ongoing rehab or inpatient\/outpatient care, your rehabilitation costs can quickly rack up. That\u2019s why PIP can be so useful for covering these costs, for everything from physical therapy to other ongoing rehab needs.<\/p>\n\n\n\n<p><em>Lost Earnings<\/em><\/p>\n\n\n\n<p>Injuries can cause you to miss work while you recover, and personal injury protection coverage will help you avoid losing out on wages or other income.<\/p>\n\n\n\n<p><em>Funeral Costs<\/em><\/p>\n\n\n\n<p>If the worst happens and you or someone in your vehicle dies as a result of the accident, PIP will help cover funeral costs so that they don\u2019t become a financial burden on the deceased\u2019s surviving loved ones.<\/p>\n\n\n\n<p><em>Additional Expenses<\/em><\/p>\n\n\n\n<p>Other costs can also sometimes be covered by PIP, including the cost of outsourcing household tasks that you can no longer manage due to your injury. This might include at-home childcare, lawn care, house cleaning, or laundry.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Personal Injury Protection Benefits<\/h2>\n\n\n\n<p>As you can see, the benefits of having <a href=\"https:\/\/freedomgeneral.com\/\">personal injury protection coverage<\/a> can be massive. If you\u2019re in a car accident and your health insurance company doesn\u2019t cover all the costs of your medical bills, PIP can be important when it comes to protecting you from extreme costs. It can help with covering medical expenses, lost wages, and other injury-related expenses in the event of an auto accident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much personal injury protection is required in my state?<\/h2>\n\n\n\n<p>Whether you live in a fault or no-fault state, you\u2019ll want to know how much PIP coverage is required by your state&#8217;s laws. The following states require at least some level of PIP coverage, and their minimum requirements are included below:<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/insurance.delaware.gov\/wp-content\/uploads\/sites\/15\/2018\/03\/Auto-Insurance-Guide-2018.pdf\">Delaware<\/a><\/strong><\/p>\n\n\n\n<p>$15,000 per person<\/p>\n\n\n\n<p>$30,000 per accident<\/p>\n\n\n\n<p>$5,000 funeral expenses<\/p>\n\n\n\n<p><strong>Florida<\/strong><\/p>\n\n\n\n<p>$10,000 per person<\/p>\n\n\n\n<p><strong>Hawaii<\/strong><\/p>\n\n\n\n<p>$15,000 per person<\/p>\n\n\n\n<p><strong>Kansas<\/strong><\/p>\n\n\n\n<p>$4,500 per person for medical expenses<br>$4,500 for rehab expenses<br>$2,000 funeral expenses<br>$900 per month for disability\/loss of income<br>$25 per day for in-home expenses<\/p>\n\n\n\n<p><strong>Kentucky<\/strong><\/p>\n\n\n\n<p>$10,000 per person<\/p>\n\n\n\n<p><strong>Maryland<\/strong><\/p>\n\n\n\n<p>$2,500 per accident<\/p>\n\n\n\n<p><strong>Massachusetts<\/strong><\/p>\n\n\n\n<p>$8,000 per person<\/p>\n\n\n\n<p><strong>Michigan<\/strong><\/p>\n\n\n\n<p>Unlimited medical expenses<br>Up to $5,189\/month in lost income<br>$20 per day for household services<\/p>\n\n\n\n<p><strong>Minnesota<\/strong><\/p>\n\n\n\n<p>$20,000 for medical expenses<\/p>\n\n\n\n<p>$20,000 for loss of income<\/p>\n\n\n\n<p><strong>New Jersey<\/strong><\/p>\n\n\n\n<p>$20,000 for medical expenses<br>$20,000 for loss of income<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/dmv.ny.gov\/insurance\/insurance-requirements\">New York<\/a><\/strong><\/p>\n\n\n\n<p>$50,000 per person<br>$2,000 death benefit<br>80% of lost income up to $2,000\/month<br>$25 per day for services<\/p>\n\n\n\n<p><strong>North Dakota<\/strong><\/p>\n\n\n\n<p>$30,000 per person<\/p>\n\n\n\n<p><strong>Oregon<\/strong><\/p>\n\n\n\n<p>$15,000 per person<\/p>\n\n\n\n<p><strong>Pennsylvania<\/strong><\/p>\n\n\n\n<p>$5,000 per accident<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/insurance.delaware.gov\/wp-content\/uploads\/sites\/15\/2018\/03\/Auto-Insurance-Guide-2018.pdf\">Utah<\/a><\/strong><\/p>\n\n\n\n<p>$3,000 per person<br>$1,500 per person for funeral expenses<br>$3,000 death benefit<br>$250\/wk or 85% of lost income (whichever is less)<br>$20 per day for household services<\/p>\n\n\n\n<p>Having personal injury protection coverage as part of your car insurance plan can be important, and in many states, it\u2019s essential. If you\u2019re looking for cheap car insurance quotes online, you can find them at <a href=\"http:\/\/freedomgeneral.com\/\">Freedom National<\/a>.<\/p>\n\n\n\n<p>Want to see how affordable auto insurance can be? <a href=\"http:\/\/pos.freedomgeneral.com\">Click here<\/a> to use our online quote form to see your savings today.<br><\/p>\n\n\n\n<p style=\"text-align:center\"><a style=\"background-color: #c81f3f; color: #ffffff; font-size: 18px; padding: 10px 40px;\" href=\"http:\/\/pos.freedomgeneral.com\" target=\"_blank\" rel=\"noopener noreferrer\">Get a Free Quote<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many people who are trying to better understand their car insurance coverage have asked the question\u2014 what is personal injury protection coverage? Personal injury protection coverage (PIP) can be an important part of your insurance coverage in the event of a car accident, particularly if you\u2019re injured in an accident. It covers medical expenses and much more for you and your passengers. Fortunately, even some cheap car insurance providers can help you purchase PIP coverage without breaking the bank. What is personal injury protection coverage (PIP)? So, what is personal injury protection coverage? Personal injury protection, usually referred to as <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Personal Injury Protection Coverage?<\/title>\n<meta name=\"description\" content=\"Curious about personal injury protection and what exactly it covers? 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