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Personal Injury coverage, often referred to as Personal Injury Protection (PIP), is an extension of an auto insurance policy available in certain states, where it is often a mandatory element of an individual's auto insurance policy -- especially in states with "no-fault" laws.
PIP covers medical, dental, and funeral expenses, and also covers the cost of rehabilitation, psychiatric treatment, lost wages, and other costs incurred in an accident.
Is Personal Injury Coverage Right for You?
PIP is sometimes considered a more inclusive version of Medical Payments coverage, and may help pay for medical expenses not covered by your health insurance plan, such as dental treatment, professional nursing services, and prostheses. However, before purchasing this type of coverage, you should check with your health insurance provider to ensure you are not duplicating coverage. If you do not have health insurance, you should consider purchasing the maximum amount of PIP auto insurance you can afford, as medical costs can run high. This will help protect your assets in the case you are not able to fully cover the total cost of your medical expenses.
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The following table outlines state-by-state personal injury coverage requirements. Refer to state-specific pages for detailed coverage requirements.
AL - FL | GA - LA | ME - NH | NJ - RI | SC - WY
State |
Personal Injury
Coverage Required? |
Minimum Coverage Amount Required
*if purchased
(per person / per accident) |
|
| Alabama |
No |
|
| Alaska |
No |
|
| Arizona |
No |
|
| Arkansas |
No |
|
| California |
No |
|
| Colorado |
No |
|
| Connecticut |
No |
|
| Delaware |
Yes |
$15,000 / $30,000 |
| District of Columbia |
No2 |
|
| Florida |
Yes |
$10,000 |
| Georgia |
No |
|
| Hawaii |
Yes |
$10,000 |
| Idaho |
No |
|
| Illinois |
No |
|
| Indiana |
No |
|
| Iowa |
No |
|
| Kansas |
Yes2 |
|
|
| Kentucky |
Yes |
$10,000 |
| Louisiana |
No |
|
| Maine |
No |
|
| Maryland |
No1 |
$2,500 for each person named in the policy * |
| Massachusetts |
Yes |
$8,000 |
| Michigan |
Yes2 |
|
| Minnesota |
Yes |
$40,000 |
| Mississippi |
No |
|
| Missouri |
No |
|
| Montana |
No |
|
| Nebraska |
No |
|
| Nevada |
No |
|
| New Hampshire |
No |
|
| New Jersey |
No |
|
| New Mexico |
No |
|
| New York |
Yes2 |
$50,000 |
| North Carolina |
No |
|
|
| North Dakota |
Yes |
$30,000 |
| Ohio |
No |
|
| Oklahoma |
No |
|
| Oregon |
Yes |
up to $10,000 |
| Pennsylvania |
No |
|
| Rhode Island |
No |
|
| South Carolina |
No |
|
| South Dakota |
No |
|
| Tennessee |
No |
|
| Texas |
No1 |
$2,500 * |
| Utah |
Yes2 |
|
| Vermont |
No |
|
| Virginia |
No |
|
| Washington |
No |
|
| West Virginia |
No |
|
| Wisconsin |
No |
|
| Wyoming |
No |
|
|
|
1 Personal Injury Coverage / PIP is not required by law, but must be rejected in writing if not purchased.
2 Refer to state-specific page for detailed explanation of required coverages.
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: February 14, 2008
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