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Personal Injury Protection

Compare personal injury protection coverage

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Personal injury protection covers medical bills and indirect costs from car accidents.

Your health insurance will cover most of your medical bills, but it may not cover the indirect expenses you may incur from an auto accident. Personal injury protection can fill in the gaps.

What is personal injury protection?

If you’re involved in a car accident, personal injury protection (PIP) pays for the medical services you may need afterward.

It may cover the costs of:

  • Ambulance rides
  • Nursing care
  • Prosthetics
  • Lost income
  • Child care
  • Funeral services

PIP applies regardless of who’s at fault in an accident.

Does PIP come with a deductible?

PIP comes with deductibles and copays. You’ll choose how high you want them to be when you’re buying insurance.

To decide, check what your health insurance covers and consider how much you’d want to pay out of your own pocket. The higher you set your deductible, the lower your insurance premiums will be. The deductible is what you’ll pay before your insurance company will pay a claim.

Why should I buy personal injury protection?

If you’re involved in a car accident, your health insurance will cover you for most of your primary medical needs. But you may not be covered for other expenses that stem indirectly from the accident. For example, health insurance doesn’t usually reimburse you for lost wages, while PIP does.

Further, you’re required to buy PIP in 15 states. To see if PIP is mandatory where you live, check with your state’s DMV.

Personal injury protection in action

You’re involved in a side-impact car collision, and your arm is now broken. You’re anxious because you’re the only one in the family who drives your kids to school. Fortunately, PIP pays for the cost of hiring a nanny, who transports your kids to school while your arm heals.

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Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

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Compare car insurance with personal injury protection

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
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Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Get free quotes from top insurers for the exact coverage you need in minutes.
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It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
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Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.

Compare up to 4 providers

PIP vs medical payments coverage

PIP is similar to medical payments coverage (or “med pay”) in that it covers medical costs after an accident.

The policies differ in many ways, however. For example:

  • PIP comes with deductibles and copays. Med pay doesn’t.
  • PIP covers more costs — such as lost income and psychiatric services.
  • Both are mandatory in different states, but PIP is required in more states.

How much does personal injury protection cost?

The cost of PIP varies widely depending on the state you live in, the car you drive, your driving history and more. It’ll typically cost under $50 a month.

How do I buy personal injury protection?

Your current insurer will offer personal injury protection — contact them and ask for more details.

Don’t be afraid to shop around for the best price. You can find coverage that works for you by comparing providers in our insurance comparison table.

Bottom line

Personal injury protection can cover you for costs that your health insurance doesn’t pay for. It’s also required in more states than medical payments coverage is. Compare car insurance policies with PIP to find the best deal for you.

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Frequently asked questions about PIP

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