What should I look for in PIP car insurance quotes?

PIP, or personal injury protection, can help cover medical costs from an accident. PIP can add anywhere from $50 to $150 to the total cost of your car insurance.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 20, 2020

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Here's what you need to know...

  • Personal injury protection can help cover medical costs from an accident
  • Your state may mandate that you purchase personal injury protection
  • Do your research so you understand how much personal injury protection you need
  • Expect to pay anywhere from $50 to $150 a year for PIP insurance.

Personal injury protection or PIP insurance can be an important part of your automobile insurance.

It is important to understand the critical factors of a good PIP policy:

  • price
  • coverage
  • service
  • reliability

By educating yourself on personal injury protection insurance, you’ll be confident that you are getting the best quote for your policy.

Read on to learn everything you need to know about finding and evaluating PIP insurance quotes. Then enter your ZIP code now into the FREE box on this page to get car insurance quotes near you.

What does PIP insurance pay for?

Many drivers are unclear as to what personal injury protection insurance is as well as when and why it is required.

Personal injury protection insurance is designed to help a driver defray the medical bills, loss of income resulting from injury, or funeral expenses that occur because of injuries suffered in an automobile accident.

Traditional auto insurance coverage generally only covers repairs and property damage and does not take into account personal injuries.

Personal injury protection can be added to your existing automobile insurance policy.

For an extra cost, you will receive a predetermined amount of coverage that will be applied towards medical bills or related expenses from an automobile accident.

Who is covered under PIP insurance? Generally, personal injury protection plans cover the driver or policyholder, passengers, and sometimes pedestrians.

The risk of injuries from an automobile accident is much higher than many drivers realize.

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Who Is Covered Under PIP Insurance

If you or a passenger is injured in an automobile accident, the costs can be catastrophic.

The U.S. Department of Health and Human Services reports that the average cost of a hospital stay is over $33,000.

In many cases, health insurance will help pay these costs. If you do not have health insurance, or if your insurance is insufficient, personal injury protection can provide coverage.

Some PIP plans also have special features, such as covering lost wages for time out of work because of an injury.

Health insurance may cover the initial cost of medical treatment, but if you cannot immediately return to work, you may suffer from not being able to secure your income.

This feature is not part of all policies, so carefully check to understand what your personal injury protection plan includes.

Do I need PIP insurance?

The first determiner of whether or not you need to carry personal injury protection insurance depends on your state.

Check with your local DMV or with an insurance expert to understand what your state’s requirements are for minimum coverage levels.

If your state does not require PIP, you can decide if you want to choose to add this coverage and how much you would like to buy.

One of the factors that will help you choose is the kind of health insurance you and your family have.

You may find that there is a lot of overlap between your current health coverage and what is offered by personal injury protection. 

Finally, risks and costs will be an important element of your decision. Understand your risk rates and the ramifications of not carrying personal injury protection insurance.

Weigh this against the cost of the policy to determine if PIP insurance is right for you.

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Finding the Right Provider for Your PIP Insurance Policy

If you’ve decided to add personal injury protection insurance to your auto policy, the first step to finding the right plan is to identify your insurance provider.

You can and should get a quote from your existing automobile insurance provider. However, this may also be a good opportunity to shop around and perhaps find a better rate.

Start by identifying the insurance providers that you would like to get quotes from.

You can use an independent consumer review board such as J.D. Power and Associates or A.M. Best to identify some of the top-ranked and customer-reviewed companies.

By using an independent consumer review board or another impartial source, you can get a good sense of what other consumers are saying about the potential insurers you are researching.

No matter how low the policy costs seem, you want to make sure that you will have a smooth and easy interaction with your insurer during the claims filing process.

To get an appropriate and accurate PIP insurance quote, you will need to determine the proper level of coverage.

You can research what the average level of coverage is, and compare this to your risk factors and potential needs.

Evaluating Different Quotes for PIP Insurance

Once you’ve gathered quotes from several different potential insurers, it is time to evaluate them to make your decision.

While price is certainly an important factor to consider in determining the right policy for you, it is not the only consideration.

You should also ask all of the potential insurers that you are contacting to quote the exact same level of coverage.

In addition to coverage levels, be sure to compare the additional features of the policies. Getting extra benefits may be worth paying a little more for your personal injury protection coverage.

Finally, look for other creative ways to save on your policy. Make sure you’ve explored all discounts, including those not tied to PIP, such as good driver or student discounts.

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