Personal injury protection: Coverage against accidents

Submitted by renditioner on Thu, 08/14/2008 - 06:30
Personal injury protection (PIP) insurance is a measure you can take to cover for the medical bills you would have to pay in case you suffer any injury in an accident regardless of who is at fault. Accidents can be very taxing, painful in the body as well as to the pocket. If you have personal injury protection, you can stop worrying about any medical bills.

What does PIP cover?

Personal injury protection insurance covers the charge accrued in case of an emergency situation and simultaneous health care treatment when an accident occurs. This coverage protects the driver and the passengers of the driver's car. PIP insurance covers the policyholder, his family member and relations that he has named, the passengers in his car, permitted drivers and in some cases and specific states, any insured individual who gets injured while riding in the car. A pedestrian who gets hit by the vehicle is also covered under this policy.

PIP also provides coverage for lost wages and damages caused due to pain and suffering. You can receive payouts up to the maximum limits of the plan.

With PIP you can cover the cost of:
  • Medical costs
  • Transportation in case of medical emergency
  • Lost wage
  • Death by accident
  • Funeral and burial expenses
  • Benefits to survivor
  • Costs of childcare while you or a passenger in your is being treated in the hospital
  • Loss of companionship (conditions apply)

How much does personal injury protection pay?

PIP can give you a payout of up to its maximum limit. However, usually there is a cap to the amount paid out under PIP and this level varies from one state to another. While on some states the coverage is considerably lower than what it costs for repair and the medical bills, the policyholders or motorists are asked to purchase additional insurance. These additional insurance includes bodily injury protection, uninsured and underinsure motorist coverage. Many mistake PIP and bodily injury to be the same. However, there are differences between PIP and Bodily Injury coverage.

Why would you purchase personal injury protection?

Having personal injury protection means that you can do away with the need to file a lawsuit since it functions regardless of who is at fault. In no-fault states requiring PIP, the drivers are not allowed to sue anyone for damages. They have to make a claim with their own insurance company. They can only pursue damages from another driver at fault if the damages incurred reach a set limit. In case of a death or very serious injuries, the injured party can sue the other driver and can receive payouts beyond the PIP payout cap.

Which are the states where PIP is mandatory?

  1. Delaware
  2. Florida
  3. Hawaii
  4. Kansas
  5. Kentucky
  6. Massachusetts
  7. Michigan
  8. Minnesota
  9. New Jersey
  10. New York
  11. North Dakota
  12. Oregon
  13. Pennsylvania
  14. Utah
  15. Texas

PIP is mandatory in few states and in others it is offered as a choice. It depends on your state's auto insurance laws whether you are required to purchase PIP coverage.

Related Discussions:

Hello people ,I am in a predicament now.Imagine I have a Personal Injury protection and I had an accident while travelling in a car with 4 other people. That's why I need to ask- what does pip cover ?? Will it cover the medical expenses for all the people,who were in the vehicle at the time of the accident? or is it just me?Do the other people also need to have a policy similar to the one I have or any other policy to cover their medical bills ?

Posted: 14 Aug 2008 09:33 Post Subject:

I'm not clear was it your vehicle the accident happened in or another persons? Also what state are you in?

Posted: 14 Aug 2008 11:57 Post Subject:

Yeah it's my vehicle only .. I am from Florida

Posted: 14 Aug 2008 12:09 Post Subject:

PIP or personal injury protection coverage extends its benefits also to the passengers of the vehicle. Well, you may receive coverage only upto the limit of the policy depending upon the amount you are carrying on it. If you have sufficiently high policy limit, its likely to cover the medical expenses of the people accompanying at the time of accident.

Posted: 14 Aug 2008 01:55 Post Subject:

Nope... in Florida if your passengers are listed on their own policies then they get PIP from those policies, not yours. Also, even if they live with a relative with PIP but are not listed on that policy, they get PIP from their relatives policy. If they don't have access to their own PIP, only then would they get PIP from your policy. Each person would get $10,000 in coverage.

If this was a 1 car accident it sounds like you may be a fault. If so, they might also have a claim against your policies bodily injury coverage. They have to have some type of permanency to their injury but in Florida this is almost always the case.

Posted: 15 Aug 2008 04:39 Post Subject:

Hi renditioner..I'd very much agree with tcope at this one.

If they don't have access to their own PIP, only then would they get PIP from your policy.


..see even logically there is no point in covering someone who is already covered for the same event. We do have instances in the global insurance industry...wherein people have opted for more than one insurance programs covering the same events. But when the event occurred the policy that was obtained first would be the only one to help him unless ofcrs the loss was of a higher magnitude that demanded a greater worth of coverage & hence needed to fetch the excess amount from the latter one! Fatman

Posted: 15 Aug 2008 07:34 Post Subject:

Usually policies cover the people riding in your car up to a certain amount. Reread your policy. Most common case is that your passengers are covered but not yourself.

Good luck!

Posted: 15 Aug 2008 08:12 Post Subject:

Usually policies cover the people riding in your car up to a certain amount. Reread your policy. Most common case is that your passengers are covered but not yourself.

But in this case covering yourself is exactly what PIP does.

Posted: 15 Aug 2008 08:43 Post Subject:

Reread your policy. Most common case is that your passengers are covered but not yourself.

I think you are confusing PIP with BI coverages...PIP would most certainly cover the insured. BI, not so much

Posted: 21 Aug 2008 03:13 Post Subject:

Have you talk with your local insurance agency? If yet. I suggest you to talk it now with them.

Posted: 11 Aug 2009 05:38 Post Subject:

In Florida, if a person needs transportation to & from his doctor visits (treatment is for injuries from an auto accident) does auto insurance pay a benefit for transportation? If so, are there specifications as to who must provide the transportation (family member, licensed transportation company, cab)?

Posted: 11 Aug 2009 09:07 Post Subject:

In Florida, if a person needs transportation to & from his doctor visits (treatment is for injuries from an auto accident) does auto insurance pay a benefit for transportation?

I'm 99% sure that this is covered under Fl PIP. I'm not sure if it's paid at 80% or 100% (its been awhile). I'm pretty sure its only limited to "reasonable" expense. So taking a limo to the doctors is probably not going to be paid in full.

Taking a cab or something like that is probably fine. A friend charging a nominal fee or about the same as a cab would probably be okay as well.

Posted: 12 Aug 2009 07:10 Post Subject: Hitting someone without PIP coverage

What happens in the event I, who has PIP coverage, hit & injure a motorist in a motor vehicle that does not have PIP coverage? Does my liability kick in & cover them and what happens since they are non compliant with the law regards to having PIP coverage

Posted: 12 Aug 2009 07:33 Post Subject:

What happens in the event I, who has PIP coverage, hit & injure a motorist in a motor vehicle that does not have PIP coverage? Does my liability kick in & cover them and what happens since they are non compliant with the law regards to having PIP coverage

That depends on your states PIP and injury laws. Each state is different.

Posted: 12 Aug 2009 07:52 Post Subject:

State of Florida. I'm taking a general lines online course & they have me stumped on how they're wording this example: "If the insured motorist caused injuries to a motor vehicle owner who had not insured, the PIP is "payable" although not paid by an insurance company, & the insured motorist has the same exemption as though the uninsured motorist has PIP." I understand the last part but the part about PIP being payable but not by an insurance co, has me stumped.
Thanks in advance, alaina

Posted: 12 Aug 2009 08:06 Post Subject:

State of Florida. I'm taking a general lines online course & they have me stumped on how they're wording this example: "If the insured motorist caused injuries to a motor vehicle owner who had not insured, the PIP is "payable" although not paid by an insurance company, & the insured motorist has the same exemption as though the uninsured motorist has PIP." I understand the last part but the part about PIP being payable but not by an insurance co, has me stumped.

I've had this come up many times....

BI (liability) is offset by what PIP pays... or _should_ pay_. if the vehicle is required to carry PIP then it does not matter to the at fault party that they don't have PIP... the liability carrier _still_ takes up to a $10,000 off set as PIP is non-recoverable in Florida. That is why they say its "payable"... it does not matter that is not "paid"... the BI carrier still takes an offset on what PIP would have paid if the person had it.

Posted: 12 Aug 2009 08:20 Post Subject:

Why does it say " although NOT paid by an insurance company?? thats what doesnt make sense me..

Posted: 12 Aug 2009 08:31 Post Subject:

It means that the injured person should still be considered as collecting the PIP payment even though their carrier did not pay it. That is, the BI carrier should pretend that it was paid, even though it was not.

If the person has $5000 in medical expenses, the BI carrier considers that the injured person was paid $5000 by the PIP carrier... even though it was not paid.

Posted: 12 Aug 2009 08:43 Post Subject:

I think i get it LOL.. so the injured person gets nothing for either carriers unless the at-fault person was found legally liable?

Posted: 12 Aug 2009 08:43 Post Subject:

I think i get it LOL.. so the injured person gets nothing for either carriers unless the at-fault person was found legally liable?

Posted: 12 Aug 2009 09:07 Post Subject:

I think i get it LOL.. so the injured person gets nothing for either carriers unless the at-fault person was found legally liable?

That is always the case. That does not have to do with the statement you mentioned.

I can break it down a little more....

$10k PIP is required on all vehicles being operated in FL. If the person is injured in an auto accident, their own PIP carrier is required to pay for their insured's injuries up to the $10k amount. The PIP carrier _cannot_ collect this money back from the at fault parties carrier (remember that). The carrier for the at fault party needs to address the injured parties loss (medical bills and pain and suffering). Let's say the injured person had $20k in medical bills and a fair settlement is $10k on top of the medical bills. The PIP carrier paid $10k of the $20k medical bills so the BI carrier only owes $10k in medical bills plus another $10k for a total of $20k. That is, they took an offset of of $10k (what the PIP carrier paid) on the $20k in medical bills. That is, since the PIP carrier paid those bills and the PIP carrier can't recovery that money, the BI carrier does not owe that $10k that the PIP carrier paid.

Now, let's say the person did not have insurance so they don't have any PIP coverage. This does not matter. The PIP laws state if a person is _required_ to carry PIP that the at fault party has immunity for what the PIP carrier _should_ be paying. It does not matter if there was no payment by a PIP carrier, that $10k is still not owed by the at fault carrier. So the BI carrier still pays $20k on the injured parties $30k claim.

As long as the at fault party carries PIP, they still get the tort immunity that the PIP laws provides them. This immunity is the $10k that the injured parties PIP carrier _should_ pay. That tort immunity exists _even if there is no PIP carrier to pay_. So the at fault party still gets the immunity even if there is no PIP payment.

Posted: 12 Aug 2009 09:30 Post Subject:

Now i really get lol.. thank you so much for taking the time to explain it in detail. The way they word things sometimes are like reading a different language.. alaina

Posted: 21 Sep 2009 11:15 Post Subject: same insurance company

the person i was involved in a car accident with has the same insurance company as i do. he was at fault my vechile has been taken to shop and i'm in a rental.now my question is this: if i claim pip threw my policy for medical bills and they pay me up to 2500 using those same medical bills will the liabilty threw his policy pay for those medical bills again???

Posted: 22 Sep 2009 10:45 Post Subject:

It depends on the state but very doubtful. The main purpose of PIP is to reduce small injury claims. You must eclipse the PIP threshold or have certain (severe) injuries to qualify to receive a BI claim from the at fault party.

Posted: 30 Sep 2009 11:57 Post Subject: PIP

I was in an auto accident and I was not at fault but I have PIP on my pocily does my insurance company pay me anything.

Posted: 30 Sep 2009 01:46 Post Subject:

PIP addresses your medical bills. That is, it pays the medial bills only.

Posted: 30 Sep 2009 10:45 Post Subject:

In some states PIP will also pay loss of wage.

Posted: 07 Oct 2009 05:20 Post Subject: Deemer Statutes

Would you have, or know who may have a table of "drive through" states, where the insurance follows the driver or the vehicle?

Posted: 07 Oct 2009 10:17 Post Subject:

Insurance ALWAYS follows the vehicle, and all policys must conform to the state they are driven into if different.

Posted: 20 Jun 2010 10:11 Post Subject: death

My sister in law had 2 children that her mother was guardian of. She provided no monitary benefits to them. she borrowed her mother's car with permission and died by crossing the median and hitting a truck head on. It was her fault. She lived in Kentucky. Are her sons eligible for any compensation under PIP? Her mother received $1000 toward funeral expenses and no other amount. She believes the truck driver received money for his damages and injuries.

Posted: 21 Jun 2010 11:23 Post Subject:

no...since she was the negligent one, her mom's policy would've paid the 'innocent' truck driver (thus protecting her mom from a law suit)...

The children should be eligible for SS benefits I would think.

Posted: 12 Aug 2010 07:02 Post Subject: Denied Lost Wages Recovery

I am a medical recovery supervisor for the government in the state of texas where PIP is required. I filed to recover lost wages for a soldier who was hurt in an auto accident. SAFECO denied claim because policy holder elected medical payments coverage and the ploicy does not provide coverage for loss wages

Posted: 08 Sep 2010 03:02 Post Subject: PIP INFORMATION

If the patient is from one state and accident happened in some other state, which state rule for PIP will be applicable?

Posted: 08 Sep 2010 04:53 Post Subject:

f the patient is from one state and accident happened in some other state, which state rule for PIP will be applicable?

The laws where the accident happened. There is a portion of the policy that allows for this. For example... if the policy is issued in a state that has no PIP or has low limits and the person is driving in a state that requires PIP or higher limits, then they automatically get the coverage needed to drive in that state.

But limits won't be reduced.

Posted: 06 Jan 2011 03:31 Post Subject: transpotation benefit

How much much will PIP pay per Doctors visit

Posted: 06 Jan 2011 03:37 Post Subject: Liability

a defective release can expose the adjuster who took the release to a claim for damages .A release may be defective due to reasons such as :Except
1-GENERAL RELEASE IS USED WHICH DOES NOT CONTAIN AN IDENTIFICATION AGREEMENT
2-NOT ALL TORTFEASORS TO BE RELEASED ARE SPECIFICALLY NAMED
3-A GENERAL RELEASE IS USED TO SETTLE PROPERTY DAMAGE IN A NO FAULT STATE, WHERE THE ADJUSTER KNOWS THE RE LEASER IS ALSO BEING REIMBURSED FOR THE INJURIES BY HIS OR HER INSURER
4-ALTHOUGH LIABILITY IS CLEAR AND INJURY SEVERE, THE SETTLEMENT IS ONLY FOR DISCOMFORT AND INCONVENIENCE, BECAUSE ALL OF THE CLAIMANTS MEDICALS WERE PAID BY ANOTHER INSURER WHO HAS NO RIGHT OF SUBROGATION.

Posted: 14 Mar 2011 08:20 Post Subject: Accident and only had PIP Coverage

I was involved into a car acciden, where a motor cycle from nowhere came around a corner and run into the front of my car. I was given the ticket regardless of him speeding because he had the right away. He was injured and transported to the hospital. I only carry PIP Insurance. Can he sue me for anything although I only had PIP Insurance? Please advice- Thanks,

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Posted: 17 Feb 2012 09:36 Post Subject:

I only carry PIP Insurance

Only 1 or 2 states don't require a person to have insurance (but I think they might require proof of financial responsibility such as a bond). So you don't only have PIP. Report the claim to your carrier.

Posted: 22 Mar 2012 01:36 Post Subject:

Great Discussion going on Personal injury Protection. I am sharing also one website which is giving all kind of insurance. Visit if you think. I have bought insurance from this company and my experience is really good with this.

[Link removed as per TOU]

Posted: 27 Mar 2012 10:12 Post Subject: Re

If you believe that you or a loved one has been the victim of a medical mistake where a physical deviated from the standard of care to which he or she was expected to adhere, contact a Florida medical malpractice attorney.

[Link removed as per TOU]

Posted: 17 May 2012 02:12 Post Subject:

An insurance company if providing a PIP insurance does not takes the whole responsibility of the recovery of the person and his passengers if any mishap occurs to them, or if it covers the entire recovery then the premium rates are applicable according to the things covered.

Posted: 15 Jun 2012 04:27 Post Subject: PIP covage in michigan

My auto isurance is higher for PIP now that I am on medicare.
Is there any companies that doesn't up your rate because you are on medicare?

Posted: 19 Jun 2012 06:50 Post Subject: can i be compensated

Was hit by a car, my pip is exhausted but I still have unpaid bills.what can I do?

Posted: 09 Jan 2013 09:54 Post Subject: injured..

I was in a wreck in June I am in Kansas which is a PIP state. I did not have PIP on my vehicle because it was registered in Oklahoma. My boyfriend therefore does have PIP and he was driving my vehicle and another car ran the light an hit us. With that being said would that cover my on his PIP since we have been together for 2 years and also living together for same amount of time? the other vehicle did not have any insurance what so ever!

Posted: 10 Jan 2013 02:17 Post Subject:

See my sig.

Posted: 11 Jan 2013 03:18 Post Subject:

KDR, I don’t know Kansas law but I suspect you might run into an issue for not registering your vehicle in Kansas (given that you had been residing there for two years). As to the question about whether you are covered under your boyfriend’s policy, you will need to look at the terms of that policy and the laws of Kansas and Oklahoma. Sometimes only the driver is afforded protection under PIP policies.

Posted: 05 Apr 2013 11:59 Post Subject: Personal injury Protection

Informative thread.Personal Injury Protection is an extension of car insurance that cover medical expense. It provides replacement income based on 90%of your net income.

Posted: 05 Apr 2013 01:22 Post Subject:

It provides replacement income based on 90%of your net income.


Perhaps for the 1 state you are thinking of. It's different from state to state.

Posted: 15 Jul 2013 01:50 Post Subject: Personal Protection Insurance (PIP) /Michigan

Hi ,
How are PIP rates / premiums determined in Michigan ? Is it based on wage earning potential , driving experience , age , # in household , credit ... ? Or is it a set amount per vehicle ( like the MCCA assessment is ) ?

What is the average premium for PIP in Michigan ?

Thank You for any information - I have scoured the internet and have not been able to find the answer.

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