What Is Personal Injury Protection Coverage?

Jamie Lee Curtis insured her legs for $1,000,000,000. She feared that the loss of her legs meant the loss of advertisement revenue from a stocking company. Many celebrities over the years have had their body parts insured, including legs, eyes, voice, hands, and even chest hair. This type of coverage may sound excessive, but consider how you would get by if you were injured and experienced a physical loss. Personal injury protection coverage can help you in case of such a problem, helping cover some of your loss of income while you heal.

Personal Injury Protection Coverage


Personal Injury Protection, also known as PIP, is an extension of personal auto insurance and is available in many states. This type of policy covers reasonable and necessary medical and hospital expenses when an insured is involved in a covered loss. It also helps you with other expenses while you’re recovering. These expenses may include: income continuation, loss of services, funeral expenses, and child-care expenses. Imagine getting into an accident and having to miss work. Now imagine you don’t have enough paid time off to cover your missed days. With PIP you could get reimbursed for some of the pay you would have missed. No one likes to think of these scenarios, but if having extra coverage brings you added piece of mind, that it can be a benefit. Actual coverage varies depending on your state and your policy. Always consult your local, independent agent for details. He or she can help you find the coverage that best fits your needs.

For a discussion of assigning fault in an auto accident >

How Much Personal Injury Protection Coverage?

When you visit with your local agent, he will likely advise you to consider purchasing as high a limit as you can afford. This way you will be covered above and beyond what your health insurance covers. While looking at policy options, you’ll find there are some factors that may affect the limit you choose including: the high cost of health care, your deductibles or co-payment arrangements, protecting your savings for retirement or education, and cost of higher coverage limits.

How Much Does Personal Injury Protection Coverage Cost?

PIP isn’t going to be the most expensive coverage on your policy, but it isn’t going to be the least expensive either. The nice thing about Personal Injury coverage is the fact that it’s supplemental to your health coverage. Knowing this will help you choose a policy. Ask yourself, is the extra expense worth the extra coverage? Everyone’s situation is unique. Only you can decide.

Personal Injury Protection Required in Some States

A handful states have so-called “no-fault” auto insurance systems. This means that regardless of who’s at fault, your insurance company pays for injuries you incur. In some of these states, PIP may be a mandatory coverage. However, many people do not want to buy this because they think their health insurance is enough coverage. That may or may not be true. PIP isn’t as comprehensive as most health insurance plans because it only covers injury-related losses resulting from a car accident. However, unlike your health insurance coverage, PIP can reimburse you or your family for things like lost income, housekeeping services, and funeral expenses. Talk with your local agent about all your coverage. He or she will help you sort out all the options available to you and get you covered and on your way.


Other Enhanced Insurance articles related to Car Insurance Coverage:

What Is a Car Insurance Deductible

What Is Medical Payments Coverage

What Is Underinsured Motorist Protection

What Is Uninsured Motorist Protection

What Is Rental Car Insurance Coverage

What Is GAP Coverage?

How Much Is GAP Insurance?

Collision Insurance Coverage

Property Damage Coverage

Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.

While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.

Jim operates an insurance agent network called Insurance Partners, aggregating agents in the Midwest for over 25 years. He was National Agent of the Year for Metropolitan in 1993 and Midwest Agent of the Year for Travelers in 2011. He served as a founding board member of the Surplus Lines Association of Minnesota.

Leave a Comment

Your email address will not be published. Required fields are marked *