State, Required PIP Coverage Limits, Additional Notes ; Delaware, • $15,000 per person • $30,000 per accident • $5,000 for funeral costs, At-fault car insurance state ; Florida, • $10,000 per person, Doesn’t require bodily injury liability insurance ; Hawaii, • $10,000 per person, ; Kansas, • $4,500 per person in medical expenses • $900 per month for one year for disability or loss of income • $25 per day for in-home services • $2,000 for funeral expenses • $4,500 for rehabilitation costs, ; Massachusetts, • $8,000 per person, ; Michigan, • $250,000 per person • $50,000 per person if the insured has Medicaid coverage • Opt out if the insured holds Medicare Parts A and B, Maximum limit offers unlimited coverage ; Minnesota, • $20,000 per person in medical expenses • $20,000 per person in nonmedical expenses, ; New Jersey, • $15,000 per person • Up to $250,000 per person for certain injuries ; New York, • $50,000 per person • Up to $2,000 per month for up to three years for lost wages • $2,000 death benefit • Up to $25 per day for up to a year for additional services,
Do you need Personal Injury Protection (PIP) Insurance? Learn more about this sort of coverage here.
PIP insurance, or no-fault insurance, pays for medical bills after a car accident. This guide explains state rules and what Personal Injury Protection is.
Personal injury protection (PIP) is a feature of auto insurance that covers medical expenses related to a car accident. It’s also known as “no-fault insurance.”
PIP personal injury protection can cover: Medical expenses: PIP can cover medical and surgical treatment, dental and optometric treatment, ambulance and nursing services, medication, medical supplies, and prosthetic devices. Lost wages (in some cases): If you are unable to work due to accident-related injuries, PIP could help you recover lost wages. Substitute services (in some cases): If accident-related injuries keep you or those covered from performing household tasks, like cleaning, PIP coul...
PIP insurance helps pay for medical care, lost wages, and more after covered accidents.
Could be covered ; Various accident-related medical bills, such as ER visits, ambulance transports, surgeries, and dental work ; Lost wages, if someone in your car is unable to work because of an accident-related injury ; Physical rehabilitation costs and disability payments ; Household services, such as childcare or house cleaning
Personal injury protection (PIP) for car insurance covers medical expenses and, if applicable, lost wages, regardless of who is at fault in an auto accident.
Unlimited coverage · Up to $500,000 in coverage · Up to $250,000 in coverage · Up to $250,000 in coverage with PIP medical exclusion(s) Exclusion is available for a named insured with non-Medicare health coverage that covers auto accident injuries and/or for household members if they have health insurance that will cover auto accident injuries. PIP medical opt-out Available if the named insured has Medicare (Parts A and B). Any of their household members must have another auto insurance po...
At LaBovick Law Group we help Florida medical providers receive payments they are owed under PIP law ; It’s unfortunate when insurance companies deny PIP benefits or attempt to lower parts of patients’ PIP coverage. This puts medical providers in an uncomfortable situation where they have provided services; yet, they have not received compensation for their care. Insurance companies will usually do whatever they can to not pay the full amount that you’re entitled to. Having a PIP Florida l...