PIP (Personal Injury Protection) and Car Insurance: The Ins and Outs

If you’ve ever reviewed your auto insurance policy, you may notice the PIP (Personal Injury Protection) portion of your coverage. PIP will pay for medical expenses and loss of work expenses for both yourself and your passengers if you’re injured in a car accident, even if the accident was your fault. In many states, PiP is mandatory.

Even if it isn’t mandatory in your state, you may want to consider PIP if you consistently drive with passengers who would sue you/hold you medically liable for injury, or if your health insurance policy is insufficient with regard to covering injury expenses in the event of an accident.

How much does PIP insurance cost?

Generally, insurance rates vary from state to state and also vary based on your personal situation – including make and model of your car, your accident or citation history, and many other factors.

For example, the state of Michigan has some of the highest auto insurance rates in the country, due to unlimited PIP limits.

For insurance companies, this can be a difficult prospect – not having coverage caps on injury protection can make for a very expensive payout upon personal injury in Michigan, and many carriers will not insure drivers in Michigan due to the expense and the risk. We work with auto carriers who ensure in every state, so if you’re in Michigan, make sure to let us know. We can find ways to help you save!

Where is PIP insurance required?

These states have a mandatory PIP coverage requirement: It is mostly required in no-fault states.

StateNo-Fault State?Minimum Required Coverage
FloridaYes$10k/person
HawaiiYes$10k/person
KansasYesSee below
KentuckyYes$10k/person
MassachusettsYes$8k/person
MichiganYesUnlimited
MinnesotaYes$20k/med expenses; $20k loss of income
New JerseyYes$15k/person
New YorkYes$50k/person
North DakotaYes$30k/person

Kansas has some special dispensations, including:

  • $4,500 medical expense per person
  • $900 per month income loss for one year
  • $25 per day at-home services
  • $4,500 rehabilitation expense per person
  • $2,000 funeral expense per person

Is there anything PIP doesn’t cover?

There are a few situations where PIP coverage won’t do you any good. PIP only covers personal injury, so it won’t cover any type of property damage to your vehicle or someone else’s. This also applies to non-collision related incidents. If your car is damaged in a non-collision related incident, PIP won’t cover you.

We know Personal Injury Protection coverage from state to state, so if you’re looking to learn more about PIP and make sure it’s added to your policy, make sure you talk to us! With just one quote form fill out, we match you with auto carriers who service your state and let them compete for your business with competitive rates. We offer the top auto insurance quotes no matter your state, and when you work with us, you deal with just one agent. We won’t spam you with calls or texts – we’re just offering the best possible auto quotes out there, and can help you save on PIP and your total auto policy!

How much will PIP affect my rate?

Even if you live in Michigan and end up paying the higher rates for policies, we can shop your best rate from a variety of carriers.

To give you an example, we ran costs for the average PIP cost for an auto policy in Michigan, including the necessary surcharge on the top. The PIP premium for a single, 20-year old driver in urban Ann Arbor on a 2011 Subaru ran at right around $1,333.30.

Is PIP Required?

pip-michigan-surcharge

For married shoppers, we pulled the rates for more rural Bay City to get an estimate of the cost savings. PIP plus surcharge on a 2006 Buick and 2006 Chevy, respectively, were $400.70 and $348.90. As you can see, age, where the car is principally garaged (whether an urban or more rural area) all matter when quoting a policy.

Personal Injury Protection Cost

pip-michigan-extra-cost

Let’s discuss your specific needs

Reach out to us today if you need to know if PIP is required in your state, and let’s talk about you and your family’s specific auto insurance needs. PIP can be expensive in some states, but we’re here to help you find the rock-bottom rate when it comes to the policy you select. Let’s talk about how we can help you today!