What is bib? Car insurance that pays for your injuries

Personal injury protection coverage, also known as PIP, is car insurance that pays for your medical bills, lost wages, funeral costs, or other expenses related to injuries caused by a car accident, regardless of whether the accident was your fault or not.

Some form of personal injury protection insurance is required in 15 states, including all 12 states that have no-fault auto insurance laws. It differs from liability insurance, which pays for damage you cause to other people or their property.

We’ll explain how personal injury protection insurance works, what it does and doesn’t cover, and how to determine if you need it.

What does personal injury protection cover?

As mentioned earlier, PIP covers injury-related expenses for you as a driver up to your policy limits. It also covers passengers, and it covers you if you are a pedestrian or cyclist who is injured in a car accident, or if you are riding in someone else’s car.

PIP coverage can include:

• medical expenses, including costs for an ambulance, examinations, surgery, medication and rehabilitation;

• funeral costs;

• loss of wages;

• the cost of home care; And

• Other costs resulting from the injury, such as transportation costs, child care or house cleaning services.

PIP insurance does not cover property damage or injuries to other motor vehicle occupants.

How does personal injury protection work?

With PIP coverage, you can file an insurance claim with your auto insurance company for benefits related to medical expenses after a car accident, regardless of which driver was at fault. The insurance company will pay up to your coverage limit, minus your deductible.

If it turns out that you are not at fault, your insurance company will later reimburse you from the other driver’s insurance company. If the charges exceed the state’s no-fault limits, you are then allowed to sue the other driver.

What is the difference between PIP and Liability?

Pays for damage you cause to other people or their property. This is why it is required by drivers in nearly every state.

It does not cover your injuries or even those of your passengers. It also does not pay to repair damage to your car. ( pays for it.)

Does PIP require a discount?

Yes, PIP is subject to a , similar to deductions in liability insurance. Depending on the state, it may be possible to choose a deductible amount as low as $0 or as high as $1,000 or more.

However, remember that the lower the deductible, the higher the premium.

Is personal injury protection mandatory?

If you live in a no-fault state, PIP coverage is required by state law, just like liability coverage.

Only 12 states are no-fault states, meaning they place certain limits on a consumer’s right to sue. Three of those states—Kentucky, New Jersey, and Pennsylvania—are called “choice-no-fault” states, which means that individual drivers can choose to opt out of no-fault provisions and decline PIP coverage.

In addition, three affected states also require drivers to purchase some form of personal injury protection, and in six other states and the District of Columbia the coverage is optional. PIP is not available in the remaining 29 states. In those states, Medical Payments Coverage, or MedPay, offers a limited version of the same coverage.

Is Personal Injury Protection No-Fault Car Insurance?

Personal injury protection coverage is sometimes referred to as . But this can confuse the meaning of no-fault, which actually refers to the state’s laws.

A no-fault condition is one that places limits on the right to sue and, as part of that law, requires drivers to purchase personal injury protection insurance.

What is the state without error?

No-fault auto insurance laws were first created in the 1970s as a way to ease burdens on small claims courts and expedite payments to injured drivers and their passengers. In no-fault cases, drivers are prohibited from filing a lawsuit if the accident expenses are below a certain threshold. These limits and how they are set vary by state.

Is PIP coverage required in my state?

Personal injury protection insurance is required in all 12 no-fault states. These cases, and the minimum required, are:

• Florida: $10,000 per person

• Hawaii: $10,000 per person

• Kansas: $4,500 per person for medical expenses: $900 per month for one year Disability/loss of income: $25 per day for domestic services: $2,000 for funeral, burial, or cremation expenses; $4,500 to cover rehabilitation costs

• Kentucky: $10,000 per person per accident*

• Massachusetts: $8,000 per person, per accident

• Michigan: Up to $50,000 or opt out

• Minnesota: $20,000 for medical expenses and $20,000 for non-medical expenses.

• New Jersey: $15,000 per person or accident*

• New York: $50,000 per person

• North Dakota: $30,000 per person

• Pennsylvania: $5,000, for medical payments only, called Medical Benefits Insurance*

• Utah: $3,000 per person

* In Kentucky, New Jersey, and Pennsylvania, individual drivers can choose to opt out of the no-fault provisions and decline PIP coverage.

PIP is also required in three error cases. These cases, and the minimum required, are:

• Delaware: $15,000 per person, $30,000 per accident.

• Maryland: $2,500 per accident, with the possibility of a waiver for the driver but not the passengers or pedestrians.

• Oregon: $15,000 per person.

PIP insurance is optional in six states and Washington, D.C.:

• Arkansas

• New Hampshire

• South Dakota

• Texas

• Virginia

• Washington

• Washington, DC

Personal injury protection coverage is not available in the remaining 29 states.

In those states, Medical Payments Coverage, or MedPay, offers similar coverage. Like PIP, MedPay covers medical expenses for you and your passengers after a car accident no matter who is at fault. However, MedPay does not include lost income, household services, or other injury-related costs.

Do I need personal injury coverage?

Add PIP coverage to Depends on where you live — and whether you have health insurance.

If you live in a no-fault country, there is no doubt that you should include PIP in your car insurance coverage.

If you live in a state where it is available but optional, the choice may be more accurate. If you don’t have health insurance at all, PIP coverage can protect you from having to pay high out-of-pocket medical bills in the event of an accident.

Some states require health insurance to pay for your injuries prior to PIP. However, PIP insurance can still pay for your deductible health insurance, making it an attractive option if, for example, you carry a high deductible.

However, it is always a good idea to evaluate the amount of car insurance you need.