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Which states are no-fault states?
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If you live in one of the following states, you must purchase no fault coverage:
Whereas liability auto insurance provides compensation to the other party involved an auto accident, no fault coverage (which is also called personal injury protection, or PIP for short) is a kind of car insurance that protects you.
You might be thinking, “But doesn’t my collision and comprehensive coverage protect me?”
The answer is yes – but only to a certain degree. If you have collision and comprehensive coverage, you’ll receive compensation for damages your vehicle sustains during a car accident; however, neither of those coverages provides financial assistance to help with medical costs, lost wages, or funeral expenses. Personal injury protection does.
As you can see, personal injury protection provides some serious assistance.
If your state requires you to purchase PIP, talk with an agent at your auto insurance company to find out how much coverage you must purchase. If your state doesn’t, talk with your agent anyway about how you can add PIP to your current insurance policy at an affordable rate.
- Arkansas (In Arkansas, you can refuse no fault coverage, but you must formally do so in writing.)
- Delaware
- Florida
- Hawaii
- Kansas
- Kentucky
- Maryland
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Oregon
- Pennsylvania
- Utah
Understanding No Fault Coverage Auto Insurance
Now that you know whether or not your state requires you to purchase no fault coverage, let’s take a look at what you get if you purchase it (and why you should buy it even if you aren’t required to).Whereas liability auto insurance provides compensation to the other party involved an auto accident, no fault coverage (which is also called personal injury protection, or PIP for short) is a kind of car insurance that protects you.
You might be thinking, “But doesn’t my collision and comprehensive coverage protect me?”
The answer is yes – but only to a certain degree. If you have collision and comprehensive coverage, you’ll receive compensation for damages your vehicle sustains during a car accident; however, neither of those coverages provides financial assistance to help with medical costs, lost wages, or funeral expenses. Personal injury protection does.
As you can see, personal injury protection provides some serious assistance.
If your state requires you to purchase PIP, talk with an agent at your auto insurance company to find out how much coverage you must purchase. If your state doesn’t, talk with your agent anyway about how you can add PIP to your current insurance policy at an affordable rate.
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