What states require PIP insurance?

Author

Charlotte Adams

Published Mar 14, 2026

What states require PIP insurance?

The fourteen states that require PIP insurance, also known as personal injury protection, are Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania and Utah.

Also, do I need PIP coverage?

PIP is required in 13 states. 29 states, including California and Illinois, do not offer PIP coverage. If PIP is available in your state but not required, it is a smart investment if you want additional protection in case of an accident.

Additionally, what happens if you don't have PIP insurance? If their insurance isn't enough, you can turn to your auto or health insurance for remaining bills. Your auto insurance company will use either PIP, medical payments coverage, or your policy's uninsured/underinsured motorist coverage to pay the difference.

Likewise, who is covered under PIP insurance?

If you're in an auto accident, your PIP insurance can help cover medical expenses for you and your injured passengers. And it doesn't matter who is at a fault for the accident. This car insurance coverage applies even if you're not driving.

What states are a no fault state?

Twelve states and Puerto Rico have no-fault auto insurance laws. Florida, Michigan, New Jersey, New York and Pennsylvania have verbal thresholds. The other seven states—Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah—use a monetary threshold. Three states have a "choice" no-fault law.

Does PIP raise your insurance?

When you are not at fault and you make a PIP claim, you will receive payment from either your insurance company or the other driver's insurance, and your rate will not increase. This is because most insurance companies reassess policy holders' records consistently to analyze risk.

How much does PIP insurance cost?

PIP can cost from as minimal as fifty dollars per month up to a couple of hundred. It is dependent on your age, the make and model of your vehicle, and the amount of coverage you desire. It may not be the least expensive coverage on your auto policy, however, it is vital to proper protection.

How much PIP insurance should I carry?

PIP minimum: $20,000 for medical coverage, and $20,000 for loss of income coverage. What it covers: Medical expenses and lost wages due to an accident, plus a $2,000 death benefit. PIP minimum: $15,000 per person, per accident.

How much PIP should I carry?

We suggest that anyone buying an auto policy should try to secure $10,000 of PIP coverage. This way you know you will at least have the first $10,000 of your medical bills (and possibly lost wages) covered with no questions asked. As always, if you can afford even more PIP coverage, you should buy it.

Do I need PIP insurance if I have Medicare?

No. However, the same is true for the majority of health insurance plans. Also, like most other health care plans, Medicare does not provide the same kind of coverage for many services that are covered under No-Fault policies with unlimited Personal Injury Protection (PIP) medical benefits.

What is the difference between PIP and bodily injury?

The main difference between bodily injury (BI) insurance and personal injury protection (PIP) insurance is that the latter, PIP, provides coverage for injury to you and others involved in the accident, while BI protects against lawsuits made against you if you are responsible for an accident.

What is the difference between Pip and medical coverage?

Personal Injury Protection Coverage

Personal Injury Protection is similar but distinct; while medical payments coverage is strictly intended to cover medical bills, PIP takes things a step further, covering health costs and resulting lost wages for you and your passengers after an accident, regardless of fault.

Why do I need uninsured motorist coverage if I have PIP?

PIP coverage pays for your medical bills (and those of your passengers) if you get into an accident, no matter who is at fault. Uninsured motorist coverage would pay your medical and other expenses after your PIP limits are met. Your coverage limit is the maximum amount your insurance company will reimburse you.

What does no fault insurance pay for?

No-fault insurance pays for medical bills, lost wages and other expenses if you're injured in a crash, no matter who is at fault.

Who pays for damages in a no fault state?

In a no-fault state, a driver who is injured in an auto accident simply has to file a claim for compensation for their injuries. Once filed, the other driver's insurance provider must pay the claim. It doesn't matter whether the injured driver is the victim in the accident or the cause.

Can I claim personal injury on my own insurance?

Can you claim personal injury on your own car insurance? No, generally this does not form part of your own motor insurance policy. However a personal injury claim would be made against the 'at fault party' (the other driver) or their insurance company.

What can you use PIP money for?

Personal Independence Payment (PIP)

Extra money: disability and ill health.
Extra Undergraduate Maintenance Loan for Living Costs.
The Disabled Students Allowances.
University Financial Assistance Fund.
Which welfare benefits can I claim?
Personal Independence Payment.
Universal Credit.
Employment Support Allowance.

What is PIP insurance progressive?

No-fault insurance is the same as personal injury protection insurance, or PIP, and covers your medical bills if you're injured in an accident. PIP covers you no matter who is at fault. It's like health insurance for car accidents, and may also cover rehab, lost wages, house cleaning, yard work, etc.

What is a PIP check?

A PIP claim is the claim that you make against your own insurer for payment of medical bills and lost earnings. Your insurer will pay your medical bills and will reimburse you for some or all of your lost earnings up to the amount of your claim -- or up to your state's no fault limit, whichever is lower.

Do I need medical coverage on car insurance?

Medical payments coverage is optional. So, if you cause a car accident and don't have medical payments coverage, you would have to pay out of your own pocket for your medical bills. On the other hand, auto liability coverage is required by law in most states.

Does Florida require PIP insurance?

Florida is one of ten states that have personal injury protection (no fault) auto insurance. In Florida, PIP coverage is required to be purchased by all owners of motor vehicles registered in this state. PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault.

Does PIP pay for car insurance?

Drivers who qualify for the Higher Rate Mobility Component of Disability Living Allowance (DLA) or enhanced Personal Independence Payment (PIP) are eligible to join the Motability Scheme, where a new car can be leased and the arrangement includes insurance cover. They too will have to search for their own insurance.

Why no fault insurance is bad?

Drawbacks of a no-fault system include: No or limited compensation for pain and suffering, paralysis, or other non-economic damages; arbitrary limits are imposed. Under pure no-fault and choice systems, bad drivers are protected because they cannot be sued for the damages they cause.

Is it worth suing an uninsured driver?

Unfortunately, suing an uninsured driver is generally not a good option, from a financial standpoint. Suing an uninsured driver will not usually put much (if any) money in your pocket. This is because most uninsured drivers have little or no money or assets.

Do insurance rates go up after no fault accident?

Yes. Regardless of whose fault it was, making a claim will almost always lead to an increase in your car insurance premium. Luckily, a non-fault claim won't affect it as much as an at-fault claim will. Even if you don't make a claim after an accident, you could still see an increase in your insurance premium.

Why is Florida a no fault state?

Florida is a “No-Fault” insurance state as it relates to automobile liability insurance. A driver's PIP coverage, as this type of insurance is most often known, is to cover medical bills and lost wages the driver may suffer in an accident, no matter who caused the accident.

Will my car insurance cover me if I move to another state?

The simple answer is: generally, yes. Car insurance coverage requirements vary depending on which state you live in. Although you purchase coverage based on your own state's coverage options, your insurance should protect you even when you're driving clear across the nation.

What to do if a drunk driver hits you?

If you are hit by a drunk driver, it is imperative that you call 911 right away, as it's important to have the police respond to the scene. You will need the evidence they collect and the report they will prepare. You might also need emergency medical services, and 911 can arrange for this as well.

What happens to uninsured drivers?

California maintains a “No Pay, No Play” rule for drivers that are involved in accidents and are uninsured. Of course, you may also face legal penalties for driving without insurance, including a possible license suspension and a hefty fine.

Why do most states require all drivers by law to carry auto insurance?

Most if not all states require drivers to carry mandatory liability insurance coverage to ensure that their drivers can cover the cost of damage to other people or property in the event of an accident. Some states, such as Wisconsin, have more flexible "proof of financial responsibility" requirements.

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