Personal Injury Protection (PIP) and No-Fault Insurance

Personal Injury Protection (AKA No-Fault Insurance or PIP) covers your medical expenses from an car accident without regard to who was at fault for the incident. PIP policies can also cover wages lost due to injuries caused by car accidents.

Facts about PIP and No-Fault Insurance:

  • PIP is only available in no-fault states.  In most no-fault states, PIP is required or compulsory coverage.
  • PIP can sometimes be supplemented by Auto Medical Payments (AMP) Coverage.
  • By differentiating between “full-tort” and “limited-tort” PIP policies, the no-fault states limit lawsuits over auto accident damages, but they do not eliminate them entirely.
  • There currently 12 no-fault states: Florida, Hawaii, Kansas, Kentucky, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Massachusetts, and Utah.