What This Coverage Includes
- Medical/hospital bills
- PIP may also cover: lost wages, funeral costs, essential services
- Applies regardless of who caused the accident
What This Coverage Does NOT Include
- Vehicle damage
- Injuries to others (that's liability)
- Pain and suffering
When This Coverage Makes Sense
- Required in FL, HI, KY, MA, MI, MN, NJ, NY, PA (no-fault states)
- If your health insurance has high deductibles/co-pays
- If you don't have health insurance
When You Might Skip This Coverage
- If health insurance fully covers accident injuries
- If MedPay would duplicate existing health coverage
Cost Considerations
Typical Additional Cost: $50-200 per year (varies by state and limit chosen)
Premium costs vary significantly by location, vehicle, driver profile, and chosen limits. The figures above are national averages and should be used only as rough guidance. Get actual quotes for accurate pricing.
Frequently Asked Questions
This depends on both the specific coverage type and your state. Some coverages (like liability) are required in nearly all states. Others (like collision, comprehensive, or gap insurance) are optional but may be required by your lender/lessor if you finance or lease your vehicle. Check our state-by-state minimum requirements guide for specifics.
In most cases, yes. You can add, remove, or adjust optional coverages (collision, comprehensive, roadside assistance, etc.) at any time by contacting your insurer. Changes typically take effect at your next renewal, though some adjustments can be made mid-term with possible prorated refunds or additional charges. Required coverages (like state minimum liability) cannot be dropped below legal minimums.
This information is educational only. Coverage details, availability, and costs vary by insurer and state. Always review actual policy documents before purchasing. Consult licensed professionals for advice specific to your situation.