PIP stands for personal insurance protection, and it is component of car insurance that covers medical expenses and lost wages. It is often called “no-fault” coverage because it pays claims regardless of who is at fault in an accident.


If you have PIP insurance and are hurt in an automobile accident, you can receive PIP benefits whether or not the accident was your fault.


PIP insurance is required in 13 states: The District of Columbia, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah


PIP coverage is available but optional in the following states: Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, Nevada, North Carolina, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Vermont, Washington, Wisconsin, West Virginia and Wyoming.


PIP is similar to Med Pay insurance in that it covers costs stemming directly from a car accident. The main difference is that PIP is broader and provides compensation for lost wages. In Kansas, PIP providers are entitled to subrogation, meaning they must be repaid out of any recover received by the at-fault party. The PIP subrogation is reduced, however, for reasonable attorney’s fees.

Have you been injured in an accident?

Request a free and confidential initial consultation to find out if you may be eligible for compensation.



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