Personal injury protection provides coverage for any injuries or healthcare costs that result from a collision or accident. In some states, having PIP is a mandatory, although this form of coverage varies in what it covers from state to state.  In some states, insurance carriers will pay for the total of your loss, no matter who is at fault, and then subrogate the payment from the liable party.

Having PIP is a good idea, because it helps to alleviate your immediate needs, while the details of the liability and payment are managed by the two insurance companies.

States with mandatory PIP include: Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Utah and Washington.

PIP covers expenses like medical injuries and funerals, for both the insured and any pedestrian that may be struck by the vehicle. Basic coverage only covers the insured’s injuries. States that do not have mandatory personal injury protection insurance have auto medical payments coverage (AMP). Some states even have both. AMP provides coverage for first parties only and is subrogable in only a few states.

PIP can range from $1500 to $250,000 in cost, depending on the state and the injuries involved. If a driver is involved in an accident, they must submit their car insurance information to a medical provider, because third parties are not under any obligation to pay for the insured’s injuries. If judgment is made against a third party, then they must make payments.

Whether or not your state requires you to carry personal injury protection insurance, it is a good idea to carry it anyway. Nevertheless, it is always important to carry the minimum amount of insurance required by the state you live in.

If you need car insurance, but are wary of high auto insurance quotes, try searching online to find the best provider. At Save Today we have a wealth of resources available for you that make it easy to compare car insurance quotes from different providers. By comparing car insurance quotes from top car insurance companies like Geico, Farmer’s, All State and Nationwide, you can be sure to find the best deal available for you and your family.

When it comes to protecting yourself and your family from injuries, there is no doubt that personal injury protection insurance is a valuable thing to have. The road is a scary and sometimes dangerous place. Don’t be unprepared.