Last Updated 24th of May, 2010

Is personal injury protection the same as no-fault coverage?

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Personal Injury Protection and No-Fault Insurance

Personal injury protection (PIP) and no-fault insurance are one and the same thing. This coverage protects drivers, passengers, and pedestrians involved in a car accident.

As the name "no-fault" suggests, this auto insurance plan is designed to pay without regard to fault. Though its exact protection varies with state, PIP generally covers medical costs, lost job wages, childcare costs, and funeral expenses. It does not, however, cover vehicle and property damage, which explains why states that mandate PIP also require liability insurance.  

Despite the no-fault name there are instances in which you'll disqualify yourself from being covered:

  • Driving while intoxicated.
  • While riding an ATV or motorcycle.
  • If you're injured while committing a felony.
  • If you're operating or riding in a stolen vehicle.
  • If you're knowingly riding in an uninsured vehicle.
  • If you intentionally attempt to injure yourself.
PIP is required in the following states:

  • Delaware  
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah

Contacting Personal Injury Attorney

Due to the complexities of insurance compensation, you should consider hiring a personal injury lawyer if you suffer a personal injury in a car accident due to another driver's negligence. His or her car insurance provider will attempt to under-compensate you, playing off your inexperience in such situations to its advantage.

You can counter this by having a personal injury attorney represent you. Their expertise will increase your chances of receiving a satisfactory settlement.

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