You may have heard of Personal Injury Protection Insurance, also known simply as PIP car insurance. Or if you are familiar with no fault car insurance, then you may even already have an idea of how this type of insurance works. This type of auto insurance is mandatory in some states and optional in others. If you are in need of a no fault or PIP insurance policy, you should find out some facts before jumping into a policy.

PIP Car Insurance – a State-by-State Guide

If you are starting a new policy in a state that requires PIP or have recently relocated to one, you may already know it. You may also want to know if you live in a state where having PIP car insurance is optional. Even if you are not required to carry this type of no fault policy or coverage, you should learn about it so you can decide if you would like to have it anyway.

States where you must have personal injury protection insurance coverage: Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, Utah, Washington

The Idea behind PIP Auto Insurance

The reason a personal injury protection policy is like no fault auto insurance coverage is that they both are meant to cover drivers and passengers involved in an automobile accident regardless of who is at fault. To understand why this is often times a pro versus a con you should consider:

• PIP coverage or no fault insurance practically eliminates the need for lawsuits in the aftermath of an accident. Insurance companies take care of the driver and passengers that they are covering regardless of who is at fault. Instead of wasting the finances for legal action against the other driver and their insurance carrier, insurance companies actually save money by skipping the legal process.

• Eliminating a great percentage of the legal costs that can be associated with accidents also results in the ability to offer lower premiums to car insurance policy holders.

• No fault or PIP insurance also covers medical expenses for their drivers and passengers to avoid anyone being denied care for injuries. Without PIP, some medical treatment is halted until the party responsible for the cost is determined. PIP does away with this.

Keep in Mind

PIP car insurance is not entirely without faults. There are instances when lawsuits do result because even that which is called a “no fault” policy is not true no fault coverage wherein there are never any legal suits. Also there are certain things that may not get covered depending on your state and your type of insurance policy coverage. Otherwise, PIP auto insurance can be a great thing to have even if you are not required to do so by law.

As soon as you are ready to find out how you can start saving money with PIP insurance rates,, just type in your zip code and get your quotes immediately.