How Would I Benefit From Personal Injury Protection Auto Insurance Coverage?

Personal injury protection is an auto insurance coverage that pays for medical treatment, funeral expenses and sometimes lost wages due to an auto accident. In most cases personal injury protection will cover the driver, passengers and any pedestrians involved in the accident.

Check your auto insurance policy for your personal injury protection limits. Depending on where you live, your personal injury protection limit may already be set by the law of the state in which you reside. Personal injury protection, or PIP, is similar to medical payments insurance, but it is broader in scope and function since it covers lost earnings, funeral costs and other scenarios.

Personal injury protection also covers any authorized drivers. Interestingly, personal injury protection in most states will allow you to be covered if you are riding in someone else's car and an accident occurs. It is most common in states that have a no fault auto insurance system. Personal injury protection is mandatory in the following states:

• Delaware
• Florida
• Hawaii
• Kansas
• Kentucky
• Massachusetts
• Michigan
• Minnesota
• New Jersey
• New York
• North Dakota
• Oregon
• Pennsylvania
• Utah
• Texas