Last Updated 20th of August, 2010

Top Reasons To Buy Personal Injury Protection

Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.

  • You could save 15% or more
  • 24 hour claims service
  • Get a FREE instant quote, today!
First thing’s first: The top reason to purchase personal injury protection is when the law requires it – and, it does, in the following states:

  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah
Note: If you live in Arkansas, you can avoid purchasing personal injury protection only if you formally refuse it in writing.

The amount of personal injury protection you’re required to purchase depends on your state’s requirements, so be sure to speak with your auto insurance provider or a DMV representative for exact details.

Additional Reasons to Purchase Personal Injury Protection

Of course, “legally required to” isn’t the only reason to purchase personal injury protection, so let’s look at why you should buy this coverage even if you don’t have to.

Exact coverage and cost varies by car insurance provider, but generally personal injury protection (also known as PIP and no fault coverage) provides coverage for:

  • Medical and hospital expenses related to a personal injury incurred during a car accident. This coverage can actually help supplement the coverage your health insurance provides.
  • Rehabilitation costs. Again, this can help supplement your health insurance.
  • Funeral expenses.
  • Services lost.
  • Childcare costs.
  • Lost wages.
Exactly who receives this coverage also depends on the provider, but PIP usually extends to:

  • The policyholder, of course.
  • The policyholder’s family members who live in the house.
  • Anyone the policyholder has authorized to drive the vehicle.
  • All passengers in the vehicle.
  • The policyholder and his or her family members who suffer a personal injury in someone else’s vehicle.
  • The policyholder as a pedestrian (this varies by state).
As you can see, no fault coverage packs more than a few benefits – regardless of whether you’re required to purchase it.

Related Articles

Visitor Comments

No visitor comments posted. Post a comment

Post Comment for "Top Reasons To Buy Personal Injury Protection"

To post a comment for this article, simply complete the form below. Fields marked with an asterisk are required.

User Opinions

No users have voted.

How would you rate this answer?



Thank you for rating this answer.

Continue
DMVAnswers.com (the Site) is a privately owned, for-profit Web site owned by OnlineGURU, Inc. The Site specifically disclaims any and all connection with any state bureau, division, or Department of Motor Vehicles, or any state or federal government agency. DMVAnswers.com does its best to get the correct information but does not claim responsibility for the accuracy of the information displayed herein. It is not complete or certified information. The information provided on DMVAnswers.com is not legal advice, DMVAnswers.com is not a lawyer referral service, and no attorney-client or confidential relationship is or should be formed by use of the site. Additionally, the Site expressly disclaims any and all liability for third party links or resources on the Site and any claims of negligence arising from same. For official information, please consult your state motor vehicle department.