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Personal injury protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage , because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard ...
However, several states adopt a no-fault system, which requires you to have PIP coverage. PIP pays for your own medical expenses and damages regardless of who is at fault in the accident ...
Personal injury protection coverage (PIP): Personal injury protection is a requirement in states that have no-fault laws. If you get into an accident, PIP can pay for your medical bills, lost ...
PIP is usually required coverage in no-fault states, but in some states, it might be optional or not available at all. There are numerous car insurance coverage options, and each insurance company ...
In states where there is a choice of coverage, most consumers choose traditional tort regimes because the cost of the no-fault regime is more expensive. 24 states originally enacted no-fault laws in some form between 1970 and 1975; several of them have repealed their no-fault laws over time. Colorado repealed its no-fault system in 2003.
Full tort and limited tort automobile insurance options were instituted by the state of Pennsylvania in an attempt to decrease the number of pain and suffering lawsuits in Pennsylvania courts. Concerned about the high rates of automobile insurance, Pennsylvania enacted mandatory personal injury protection (PIP) insurance coverage in the attempt ...
Required in no-fault states. Medical payment coverage (MedPay) Helps pay for you and your passenger’s injuries and medical expenses after an accident, regardless of fault. Only mandatory in Maine.
Unlike other states which have a single limit for PIP, Delaware splits coverage on a per person/per accident basis. In Delaware, the minimum amount of PIP coverage required is: $15,000 per person