PIP and No-Fault

No-Fault, personal injury, and medical payments coverages can be required in some states, but not all.

If your passengers get injured in an accident caused by you - MedPay is what would cover the costs. It can go into effect if you're driving someone else's car, driving your car, or if you are a pedestrian. The coverage will pay no matter who's at fault. You insurance company may attempt to collect from the at fault party (if not your fault).

PIP, or personal injury protection, is coverage for medical expenses and some insurance companies may offer extra benefits that include lost wages and child care expenses. Some state have this coverage as a requirement.

Some of these items may be unneccessary if you have a good health insurance policy.

Related Article: Uninsured/Underinsured >>