Auto InsuranceGlossary
PIP (Personal Injury Protection)
Insurance that covers your own medical bills regardless of who caused the accident.
PIP is required in no-fault states (Florida, Michigan, New York, etc.) and optional elsewhere. Even in optional states, PIP can fill gaps that health insurance won't cover — like lost wages and household services.
Should you care?
Should you care about PIP (Personal Injury Protection)?
When you need it
Required in no-fault states (FL, MI, NJ, NY, PA, MA, KY, KS, MN, ND, HI, UT, DC). Even in optional states, PIP covers wage replacement and household services your health insurance won't.
What it costs you
Typically $50-$200/yr depending on coverage limit. In Michigan, choosing $250k PIP vs unlimited saves $200-$500/yr — but caps your medical payout at $250k.
Where this matters
States where PIP applies
Frequently asked
PIP — FAQ
Put it into practice
Where PIP matters on CarSavr.
Referenced in
Where PIP fits in the bigger picture.
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Related terms
Put it into practice