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.