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What is PIP (Personal Injury Protection) for automobile?

A lot of consumers are not familiar with what PIP means when it comes to auto insurance. PIP does tend to be among the more confusing things for insureds to understand. Here are a few points to help you understand the basics. 

What is Personal Injury Protection?

Personal Injury Protection, or "PIP", is one of the insurance coverages on a personal auto policy. It reimburses you for costs related to the treatment of injuries you receive in an accident, up to a chosen dollar limit. It also covers any passengers in your car at the time of the accident. In some states, PIP may cover things like lost wages and rehabilitation costs.

What makes the coverage unusual is that it applies no matter who caused the car accident. So, you may start to be reimbursed for medical bills even before the insurance companies determine who is liable.

Do I need PIP?

PIP is required in states that have no-fault or tort auto insurance laws. About a third of the states have these laws in effect (Utah being one of them). The coverage is optional in a handful of other states. 

How much PIP should I buy?

Progressive recommends asking yourself the following questions when considering PIP and selecting coverage limits:

  1. How good is my personal health insurance?
    1. If you have low-deductible/high quality health insurance, you could consider lower levels of PIP.
  2. Do I have life insurance?
    1. If you have a family but don't have life insurance, know that PIP could help them cover expenses if you're in a fatal accident.
  3. How would I make up for lost wages if I can't work?
    1. If you're unable to work due to an injury from an auto accident, PIP could help make up for lost wages.

What if I'm still unsure?

If you still have questions, or are unsure how much PIP is right for you, contact our office and speak to a licensed agent for Utah and Idaho. Our insurance agents are highly trained professionals who know the ins and outs of auto insurance. They can help you choose the insurance coverage levels you need to protect yourself, your family, and your car.

Hometown Insurance Agency of Utah is located in downtown Logan, Utah (Cache Valley) and prides itself in helping others, not only save money on their home, auto other types of insurance but to also make sure you are properly covered and that you have answers to your questions. We want to make sure that our clients are our friends and friends become family! We care about you as much as we care about our family! We want to make sure you are protected should something happen and that you understand your insurance policies and what they include. Hometown Insurance Agency of Utah is licensed in Utah and Idaho! That's right, we are now licensed in Idaho too!

We care about you and we care about our community. We are members of the Cache Chamber of Commerce and the Women's Council of Realtors Cache Valley, we volunteer as Ambassadors for the Cache Chamber Commerce, The Center for Entrepreneurship and the Jon M. Huntsman School of Business/Utah State University, we sponsor many community events (Nibley, Richmond, Smithfield, Hyrum) where we have free games and prizes, we hand out candy in local parades in Nibley, Utah and Hyrum, Utah. We love being part of our Cache Valley Community!

Take a minute, give us a call and we will shop all our providers for you and at the very least you will have a second opinion to consider.

If you have insurance questions, need a review of your current insurance policies or would like a free insurance quote, please contact us at 435-754-7701! We are your hometown raised, hometown trusted, hometown insurance agency. We are Hometown Insurance Agency of Utah.

180 North Main Ste C

Logan, UT 84321


Email: jill [at] hometowninsr [dot] com


** not liable for any misinterpretation of coverage or law