Does PIP Cover Auto Insurance?

1. 

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   Ryan Andrew

   President, The Andrew Agency, Richmond, VA

   PIP is mandatory in some states. PIP stands for Personal Injury Protection and it covers you and or a passenger. You can select full PIP coverage or limited PIP coverage which would just cover a passenger. Most companies offer limits of $2,500 or $5,000.
   
   
   States with mandatory PIP coverage
   
   Delaware
   Florida[2]
   Hawaii
   Kansas
   Kentucky
   Maryland (unless a waiver is signed at initial purchase of the policy)
   Massachusetts
   Michigan
   Minnesota
   New Jersey
   New York
   North Dakota
   Oregon
   Pennsylvania
   Texas (unless a waiver is signed at initial purchase of the policy also known as the exclusion agreement)
   Utah
   Washington (unless a waiver is signed at initial purchase of the policy)
   

   Answered on May 30, 2013

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