Personal injury protection, or PIP coverage, helps pay for medical costs if you or your passengers are hurt in a car accident—no matter who caused it. Often called “no-fault insurance,” PIP lets you file a claim with your own insurer after a covered crash.
It’s not available in every state, but some require it, while others offer it as optional protection. PIP can be a valuable layer of coverage, especially if you want quick help covering medical bills, lost wages, or even essential services after an accident.
PIP insurance isn’t one-size-fits-all—each state sets its own rules. In general, it can help cover your medical expenses, lost income, and even tasks like childcare if you're hurt in a crash.
Some states make PIP mandatory, while others give drivers the choice to opt out. If you're unsure what your state requires or what coverage fits your needs, visit a DLInsure Auto Insurance office near you or call 1-987-654-3210 for friendly, expert help.
In certain states, PIP insurance can step in if you're hit by a car while biking or walking—helping with medical costs even off the road.
PIP is designed to cover medical-related costs—not everything else that might happen in a crash. For example:
Vehicle damage: PIP won’t pay to fix your car after an accident. That’s where collision coverage steps in.
Stolen car: If your vehicle is stolen, PIP won’t help. You’d need comprehensive coverage for that kind of loss.
Other people’s property: If you damage someone else’s car or belongings in a wreck you caused, PIP won’t cover the costs. Property damage liability insurance is what handles those repairs.
In some states, PIP coverage is mandated by law, included automatically unless you formally decline, or available as an optional add-on. This coverage helps when the at-fault driver doesn’t have enough liability insurance—or any at all—to cover your claim.
States like Michigan have special exceptions that might allow certain drivers to waive PIP. To navigate your state’s specific rules and make the best decision, consult local laws and connect with an experienced insurance agent who can guide you through your options.
To learn more about adding Uninsured Motorist Coverage to your personal or commercial auto insurance, visit a DLInsure Auto Insurance location near you.
If you live in a state where PIP is required or available, get a free quote online or speak with one of our expert agents. We’ll help you find the coverage that fits your needs and gives you peace of mind on the road.
Enter ZIP code to find a DLInsure Auto location near you.
Enter ZIP code to start your quote.
We want to raise the standard for service in our industry, so we offer customized coverage, in language you can understand.
© 2025 DLInsure | All Right Reserved