Auto Insurance Personal Injury Protection (PIP) & Medical Payments Coverage

Personal Injury Protection (PIP). You have Personal Injury Protection if your state has a Personal Injury Protection law. Depending on your state law, this coverage may be optional or mandatory.

Dollar limits of coverage vary depending on your state, but the purpose of Personal Injury Protection is to pay for the injury and lost wages you, your family members in your household, or passengers receive in a car accident, regardless of who was at fault.

Sometimes when settling car accident claims, the person who was at fault can be hard to determine or disputed. Some states have created Personal Injury Protection to pay medical bills and lost wages without having to wait for the sometimes lengthy process of figuring out who was responsible for the injury, or in situations where the person at fault was injured.

Some car insurance companies offer greater amount of additional Personal Injury Protection, so shop for the insurance company offering you the coverage you need.
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Medical Payments Coverage: Medical payments pay up to a per person dollar limit (For example, $10,000 per person) to you, your family members in your household, and passengers, if injured in a car accident regardless of fault. Medical payments coverage is usually available in states not having Personal Injury Protection statutes.

I recommend you discuss your needs with your agent and try to coordinate PIP/Medical Payments with any health or disability insurance covering you and your household, considering any out-of-pocket expenses or coverage limits for your health/disability coverage. Also, you may want to consider how often you have other people as passengers. For example, if you often transport other people’s children.

Do you need Personal Injury Protection (PIP) or medical payments coverage on your auto insurance? Why or why not, or how much? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.