Personal Injury Protection Insurance
Accidents happen. That's why it's important to make sure you have the right coverages to help pay for the cost of your medical expenses in case you get injured in one. Our Personal Injury Protection Insurance (PIP) coverage can help you pay for your medical bills if you get into an accident.
Who needs Personal Injury Protection insurance?
Depending on where you live, Personal Injury Protection insurance may be required by state laws. PIP insurance pays for your personal medical expenses or passenger injuries — no matter who is at fault for the accident. States requiring PIP insurance are known as “no fault” accident states. This means that damages for injuries are paid for by a person's own insurance regardless of who is at fault for the accident or whether or not the other person involved in the accident has commercial auto insurance coverage.
In states where PIP insurance is optional, your medical insurance might cover medical expenses related to an accident. Check with your medical insurance provider to see if you need extra PIP coverage to protect you while you're one the road.
Limits, deductibles and other details
PIP coverage limits vary by state. Depending on where you live, PIP insurance may include coverage for the following:
- Medical Benefits – Coverage for the cost of treatment you receive from hospitals, doctors and other medical providers.
- Disability Benefits – Reimbursement for expenses related to your injuries, like lost wages or other expenses incurred if you can't return to work right away.
- Death Benefits – Benefits payable if you are involved in a fatal accident.
Exceptions and restrictions
Personal Injury Protection insurance is not available in all states or situations. Coverage options may vary depending on the state you live in. Call us at 1-888-806-9598 to find out about Personal Injury Protection insurance options available in your state.