Personal Injury Protection (PIP) Insurance

Personal injury protection (PIP) insurance pays for medical care in the event that you are injured in an automobile accident, regardless of who is at fault. Personal injury protection (PIP) insurance will also cover medical expenses of passengers who are non-family members. Some policies will also cover lost wages. Your policy may offer coverage if you are a passenger in someone else's car and hurt in an accident. In some states, personal injury protection (PIP) insurance is required by law.

If you live in a state that does not require personal injury protection (PIP) insurance, you may still want to investigate this type of policy anyway. First, find out exactly what your current auto insurance covers. Does it cover lost wages? Will your policy cover non-family member passengers for medical expenses should you be involved in an accident?

If your auto insurance policy does not include features of personal injury protection (PIP) insurance, you will have to balance the cost of the premiums versus the number of times you carry passengers, how well that you drive, and the amount of time that you drive. Remember that you cannot buy personal injury protection (PIP) insurance, or any other type of insurance that you might suddenly need, after the fact.

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