Best Personal Injury Protection (PIP) Car Insurance Company (2024)
Sometimes called no-fault insurance, many drivers buy personal injury protection (PIP) insurance because it covers them regardless of who is to blame for an accident, if they riding their bike, or even riding in someone else's vehicle. . The best personal injury protection (PIP) auto insurance companies will cover your medical bills and pay for your lost earnings. PIP may be optional or mandatory depending on what state you live in.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Sep 20, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Personal injury protection (PIP) car insurance is also known as no-fault insurance
- PIP insurance can cover your medical costs and a loss in salary after an accident, no matter whose fault it was
- Only 16 states require PIP insurance
- Filing a PIP claim requires that you carefully follow your insurance company’s rules and timeline
There are a number of things you should know if you are comparing car insurance companies that provide personal injury protection (PIP) auto policy.
This type of policy can pay for your hospital bills and other expenses after an accident. However, it only covers you. PIP can be similar to health coverage, but in some situations, you should have both.
If you’re looking for the best personal injury protection (PIP) auto insurance companies, this guide is here to tell you everything you need to know.
You don’t have to wait to buy personal injury protection (PIP) car insurance; get free personal injury protection (PIP) car insurance rates from the top companies in your area simply by entering your ZIP code now.
Companies That Offer Personal Injury Protection (PIP) Coverage
Several car insurance companies offer PIP auto insurance policy, depending on what state you live in. Companies like GEICO, Liberty Mutual, and Travelers Insurance are all well-known PIP providers.
The best thing to do is compare companies. You can do this by reading reviews like GEICO insurance reviews on the pros and cons of each insurance company.
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What is Personal Injury Protection (PIP) coverage auto insurance?
Personal injury protection (PIP) car insurance is also known as no-fault insurance. If you (or anyone in your vehicle) are harmed in a car accident, it will pay your medical fees and possibly any salary you lose from time off work.
It also covers you when you’re not the driver in an accident — for example, if you are in someone else’s car as a passenger, or a car hits you while you’re out walking. The key word to remember in PIP is “personal.” This insurance pays for your costs and your costs only.
Does my state require Personal Injury Protection (PIP)?
Since PIP is commonly known as “no-fault” insurance, it should come as no surprise that the states that make it mandatory to have PIP are mostly no-fault states.
This means that even if a driver is not at fault, they will still have to cover their own medical bills if an accident happens and they get hurt. You cannot even sue the other driver unless your injuries are severe. (For more information, read our “Does car insurance cover medical bills?“).
In states like these, personal injury protection coverage is a must so that your insurance provider can give you a payout for your medical claim. Here is a list of legal PIP requirements; check to see if your state requires it or not.
Personal Injury Protection Requirements by State
| State | Requires Personal Injury Protection Coverage |
|---|---|
| Alabama | No |
| Alaska | No |
| Arizona | No |
| Arkansas | Yes |
| California | No |
| Colorado | No |
| Connecticut | No |
| Delaware | Yes |
| District of Columbia | No |
| Florida | Yes |
| Georgia | No |
| Hawaii | Yes |
| Idaho | No |
| Illinois | No |
| Indiana | No |
| Iowa | No |
| Kansas | Yes |
| Kentucky | Yes |
| Louisiana | No |
| Maine | No |
| Maryland | Yes |
| Massachusetts | Yes |
| Michigan | Yes |
| Minnesota | Yes |
| Mississippi | No |
| Missouri | No |
| Montana | No |
| Nebraska | No |
| Nevada | No |
| New Hampshire | No |
| New Jersey | Yes |
| New Mexico | No |
| New York | Yes |
| North Carolina | No |
| North Dakota | Yes |
| Ohio | No |
| Oklahoma | No |
| Oregon | Yes |
| Pennsylvania | Yes |
| Rhode Island | No |
| South Carolina | No |
| South Dakota | No |
| Tennessee | No |
| Texas | Yes |
| Utah | Yes |
| Vermont | No |
| Virginia | No |
| Washington | No |
| West Virginia | No |
| Wisconsin | No |
| Wyoming | No |
Even if your state has mandatory PIP coverage, you still need to figure out what coverage is right for you.
Read more: What is no-fault in Car Insurance?
How much Personal Injury Protection (PIP) coverage do I need?
There are plenty of benefits to buying personal injury protection coverage. Most insurers will offer you a policy option at an extremely low cost. If you are looking for an affordable car insurance option, there’s no reason why you shouldn’t consider PIP as a top choice to protect yourself.
If you compare it to typical health insurance policies, for example, PIP provides more coverage. You also get speedier medical treatment, since your costs will be covered regardless of who was to blame for an accident.
Don’t have health insurance coverage? Then it’s strongly recommended that you get PIP coverage so you have peace of mind in the event of an accident. You can choose a policy that covers bodily injury liability, collision coverage, and even personal damage liability.
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What doesn’t Personal Injury Protection (PIP) cover?
If you are undecided about if PIP is for you, it could help to know what it doesn’t cover. The following aren’t covered by PIP:
- Medical expenses that exceed your coverage limits
- Any damage from an accident that affects other people’s property
- If your vehicle is stolen
- Damage to your car sustained in an accident
To help protect from the above you can add additional coverage like a bodily injury policy, property damage liability coverage, underinsured motorist coverage, or uninsured motorist coverage.
You do have alternatives. For example, if your medical bills are higher than the coverage limits, you can sue the person responsible for personal injury. If your car is stolen, you can get paid if you buy a comprehensive coverage car insurance policy.
How to Collect Personal Injury Protection (PIP) Insurance
If you’re involved in an accident, contact the claims officer right away. The quicker you report, the better. You can even make a copy of the chat so that there is a record.
Read your insurance company’s claim process so you know exactly what to do in case you’re harmed in an accident.
The alternative when you don’t have PIP is to look for the money for medical expenses and pay them out of pocket.
The best way to get personal injury protection (PIP) car insurance quotes is by getting a personalized rate for you.
Our free tool makes it easy by giving you PIP car insurance rates right away. All you have to do is enter your ZIP code and you’ll get quotes from top insurance companies near you.
Case Studies: Best Personal Injury Protection (PIP) Car Insurance Company
Case Study 1: John’s Comprehensive PIP Coverage With GEICO
John was looking for the best personal injury protection (PIP) car insurance company that would provide comprehensive coverage for his medical bills and lost earnings in case of an accident. After comparing different companies, he found that GEICO offered the best PIP coverage options.
He chose GEICO as his insurance provider, knowing that he would be financially protected regardless of who was at fault for an accident.
Case Study 2: Sarah’s Mandatory PIP Coverage in a No-Fault State
Sarah lived in a no-fault state where personal injury protection (PIP) coverage was mandatory. She wanted to find the best car insurance company that would meet the state’s PIP requirements.
After researching and reading reviews, she decided to go with Liberty Mutual, one of the well-known PIP providers in her state. She felt confident that she had the necessary coverage to protect herself in case of any accidents.
Case Study 3: Mark’s Optional PIP Coverage for Added Protection
Mark lived in a state where PIP coverage was not mandatory but wanted the added protection it offered. He compared different car insurance companies to find the best optional PIP coverage. Travelers Insurance stood out to him as a reliable company that offered comprehensive PIP coverage options.
Mark chose to add optional PIP coverage to his policy with Travelers Insurance, ensuring that he had extra protection for any medical expenses and lost wages resulting from an accident.
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Frequently Asked Questions: Best Personal Injury Protection (PIP) Car Insurance Companies
Have more questions about PIP insurance? Here are the answers.
#1 – What are the states that require personal injury protection (PIP) car insurance?
A total of 16 states (and Puerto Rico) require PIP.
- Arkansas
- Delaware
- Florida
- Hawaii
- Kansas
- Kentucky
- Maryland
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Oregon
- Pennsylvania
- Puerto Rico
- Utah
Frequently Asked Questions
What is Personal Injury Protection (PIP) car insurance?
Personal Injury Protection (PIP) is a type of car insurance coverage that helps cover medical expenses, lost wages, and other related expenses if you or your passengers are injured in a car accident, regardless of who was at fault for the accident.
Is PIP car insurance required in all states?
No, PIP car insurance is only required in certain states. Some states require drivers to carry PIP as part of their car insurance policy, while others offer it as optional coverage.
What are the benefits of having PIP car insurance?
The benefits of having PIP car insurance include:
- Medical expense coverage: PIP helps cover medical expenses for you and your passengers, such as hospital bills, doctor’s visits, and rehabilitation costs.
- Lost wage coverage: PIP can also help cover lost wages if you or your passengers are unable to work due to injuries sustained in a car accident.
- Funeral expenses: PIP may cover funeral expenses if a passenger in your vehicle is killed in a car accident.
- Legal fees: PIP may also cover legal fees if you are sued as a result of a car accident.
Which car insurance companies offer the best PIP coverage?
The best PIP car insurance companies will vary depending on your individual needs and circumstances. However, some companies that are known for offering good PIP coverage include Progressive, Allstate, and State Farm.
How do I know if I need PIP car insurance?
If you live in a state that requires PIP coverage, it will be automatically included in your car insurance policy. If you live in a state where PIP coverage is optional, you should consider your personal circumstances to determine whether or not you need it. Factors to consider include:
- your health insurance coverage
- your income
- your risk tolerance for medical expenses and lost wages in the event of a car accident
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.