Personal Injury Protection
Personal Injury Protection (PIP) provides additional insurance protection for any subsequent healthcare costs resulting from an accident regardless of who is at fault.
PIP provides up to 80% coverage for further expenses such as long-term nursing care, lost wages, rehab, medical costs, and more.
The only states that require PIP are Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, and Utah.
If you live in any of these states, your coverage limits are pre-determined. If you live in a non-PIP state then the amount you carry, if any, will be up to you.
When considering PIP, take into account how much health insurance you have. If you frequently ferry passengers, you need to carry PIP because you will be responsible for their medical costs if you are in an injury-causing accident.