Insurance

A State-by-State Guide to Personal Injury Protection Insurance

Personal Injury Protection (PIP) insurance is a crucial component of auto insurance coverage in the United States. PIP provides coverage for medical expenses and, in some cases, lost wages and other expenses resulting from auto accidents, regardless of who is at fault. However, the rules and regulations governing PIP insurance vary from state to state. In this comprehensive guide, we’ll take a close look at how PIP insurance operates in each U.S. state.

Alabama

Alabama is a “tort” state, meaning PIP insurance is not mandatory. However, drivers can opt for PIP coverage to help cover their medical expenses in case of an accident.

Alaska

Alaska requires all auto insurance policies to include PIP coverage with a minimum limit of $10,000. This coverage helps pay for medical expenses and lost wages.

Arizona

Arizona is not a “no-fault” state, so PIP insurance is not required. Drivers can choose to purchase MedPay (Medical Payments) coverage to help with medical expenses after an accident.

Arkansas

Arkansas mandates PIP insurance with a minimum coverage of $5,000. This coverage helps pay for medical expenses and, in some cases, lost wages.

California

California is not a no-fault state, so PIP insurance is not required. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

Colorado

Colorado does not require PIP insurance. Drivers can choose to include MedPay coverage in their policies to cover medical expenses.

Connecticut

Connecticut is a “choice no-fault” state, where drivers can choose between a traditional tort system or a no-fault system with PIP coverage.

Delaware

Delaware requires PIP coverage with a minimum limit of $15,000. This coverage helps pay for medical expenses and lost wages.

Florida

Florida is a no-fault state, making PIP insurance mandatory. Drivers must carry a minimum of $10,000 in PIP coverage.

Georgia

Georgia is not a no-fault state, so PIP insurance is not required. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

Hawaii

Hawaii is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $10,000 in PIP coverage.

Idaho

Idaho is not a no-fault state, so PIP insurance is not required. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

Illinois

Illinois does not require PIP insurance. Drivers can choose to include MedPay coverage in their policies to cover medical expenses.

Indiana

Indiana is not a no-fault state, so PIP insurance is not required. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

Iowa

Iowa does not require PIP insurance. Drivers can choose to include MedPay coverage in their policies to cover medical expenses.

Kansas

Kansas is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $4,500 in PIP coverage.

Kentucky

Kentucky is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $10,000 in PIP coverage.

Louisiana

Louisiana is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $15,000 in PIP coverage.

Maine

Maine is not a no-fault state, so PIP insurance is not required. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

Maryland

Maryland requires PIP coverage with a minimum limit of $2,500. This coverage helps pay for medical expenses and lost wages.

Massachusetts

Massachusetts is a “choice no-fault” state, allowing drivers to choose between traditional tort and no-fault systems.

Michigan

Michigan is a no-fault state, and PIP insurance is mandatory. Drivers must carry unlimited PIP coverage.

Minnesota

Minnesota is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $40,000 in PIP coverage.

Mississippi

Mississippi is not a no-fault state, so PIP insurance is not required. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

Missouri

Missouri is not a no-fault state, so PIP insurance is not required. Drivers can choose to purchase MedPay coverage to help with medical expenses.

Montana

Montana is not a no-fault state, so PIP insurance is not required. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

Nebraska

Nebraska is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $25,000 in PIP coverage.

Nevada

Nevada is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $10,000 in PIP coverage.

New Hampshire

New Hampshire does not require PIP insurance. Drivers can choose to include MedPay coverage in their policies to cover medical expenses.

New Jersey

New Jersey is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $15,000 in PIP coverage.

New Mexico

New Mexico is not a no-fault state, so PIP insurance is not required. Drivers can choose to purchase MedPay coverage to assist with medical expenses.

New York

New York is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $50,000 in PIP coverage.

North Carolina

North Carolina does not require PIP insurance. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

North Dakota

North Dakota is not a no-fault state, so PIP insurance is not required. Drivers can choose to purchase MedPay coverage to help with medical expenses.

Ohio

Ohio does not require PIP insurance. Drivers can choose to include MedPay coverage in their policies to cover medical expenses.

Oklahoma

Oklahoma is not a no-fault state, so PIP insurance is not required. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

Oregon

Oregon is not a no-fault state, so PIP insurance is not required. Drivers can choose to purchase MedPay coverage to help with medical expenses.

Pennsylvania

Pennsylvania is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $5,000 in PIP coverage.

Rhode Island

Rhode Island is a no-fault state, and PIP insurance is mandatory. Drivers must carry a minimum of $25,000 in PIP coverage.

South Carolina

South Carolina is not a no-fault state, so PIP insurance is not required. Drivers can choose to purchase MedPay coverage to assist with medical expenses after an accident.

South Dakota

South Dakota is not a no-fault state, so PIP insurance is not required. Drivers can opt for MedPay coverage to assist with medical expenses after an accident.

Tennessee

Tennessee is not a no-fault state, so PIP insurance is not required. Drivers can choose to purchase MedPay coverage to help with medical expenses.

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