Am I required by the state to purchase personal injury protection?

Personal Injury Protection Requirements by State

Personal Injury Protection (PIP) is a form of car insurance only required by 14 states (see grid below). Often referred to as "no-fault" coverage, it generally pays without regard to fault; hence, the name. In addition to PIP, most states also require liability insurance as well.

PIP does not cover vehicle or property damage, but instead medical costs, childcare expenses, lost job wages and, in some instances, funeral expenses.  

If you suffer a personal injury in a car accident, don't hesitate in contacting a personal injury lawyer for legal assistance. These attorneys understand the law and how it relates to auto insurance requirements, and have vast more experience than you in negotiating with car insurance companies. A personal injury attorney has legal expertise that will play to your advantage in assuring a just settlement.

PIP Required PIP Not Required
Alabama
x
Alaska
x
Arizona
x
Arkansas
x
California
x
Colorado
x
Connecticut
x
Delaware
x
Florida
x
Georgia
x
Hawaii
x
Idaho
x
Illinois
x
Indiana
x
Iowa
x
Kansas
x
Kentucky
x
Louisiana
x
Maine
x
Maryland
x
Massachusetts
x
Michigan
x
Minnesota
x
Mississippi
x
Missouri
x
Montana
x
Nebraska
x
Nevada
x
New Hampshire
x
New Jersey
x
New Mexico
x
New York
x
North Carolina
x
North Dakota
x
Ohio
x
Oklahoma
x
Oregon
x
Pennsylvania
x
Rhode Island
x
South Carolina
x
South Dakota
x
Tennessee
x
Texas
x
Utah
x
Vermont
x
Virginia
x
Washington
x
West Virginia
x
Wisconsin
x
Wyoming
x
Washington DC
x

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