What is PIP?
If you're in an accident, it can help pay for:
- Medical and hospital costs
- Wages you lose from missing work
- Services you can't provide due to the accident
- Funeral costs
PIP applies no matter who is at fault. However, there are some situations when it doesn't apply.
Do I need PIP?
- Buying PIP is your choice, but by law your insurance company must offer it to you.
- If you don't want PIP, you must reject it in writing. Otherwise, your auto insurer will add it to your policy and charge you for it.
Who's covered by PIP
- Person named on the policy
- Household residents related by blood, marriage or adoption
- Step or foster children
- Any non-family passengers and pedestrians involved in an accident
Note: To make a PIP claim, the car you or your relative was driving at the time must be on the declaration page of your auto insurance policy.
How much does PIP cover?
- Medical and hospital costs: Up to $10,000 for medical and hospital costs for each person injured in an accident. This is available for up to three years from the date of the accident. You may add additional coverage to increase the amount to $35,000.
- Funeral costs: Up to $2,000 for each person who died due to an accident.
- Lost wages: Up to $200 per week ($10,000 total) to replace income for someone who's been disabled for 14 days in a row after an accident. These benefits last up to one year. You may add additional coverage to increase the amount to up to $700 a week ($35,000 total).
- Lost services: Up to $200 per week ($5,000 total) to pay non-family members for work you can’t do, such as household chores. You may add additional coverage to increase the total amount to $14,600.
Contact your insurance company or agent if you want to increase your PIP coverage.
What PIP costs
- The cost for PIP coverage is different between companies.
- PIP coverage may require you to cover all the cars on your policy.
- The more cars on your policy, the more you’ll pay for PIP.
What PIP doesn't cover
PIP doesn’t cover injuries from using:
- Farm equipment
- Recreational or off-road vehicles
- Mopeds
- Motorcycles (You might be able to get PIP coverage for a motorcycle, but it's usually expensive.)
PIP also doesn’t cover:
- Injuries an insured person causes on purpose
- An insured person if they're injured in an organized race
- An insured person while they commit a felony
PIP doesn't cover services that your insurance company decides are not:
- Reasonable
- Necessary
- Related to the accident
- Incurred within three years of the auto accident