Only 15 of our 50 states (as well as the District of Columbia) require auto drivers to have personal injury coverage. So what does CoverHound recommend? We recommend that all drivers invest in personal injury coverage, or simply PIP (personal injury protection).
Now maybe you’re shaking your head vigorously, wondering why you’d pay for more car insurance if you already have a plan. But the truth is, PIP insurance coverage protects auto drivers injured in traffic accidents regardless of who is at fault in the collision, making it an extremely valuable coverage to have in your back pocket. Insurance is about more than just your car; it’s about keeping – or getting you back – on your feet.
Let’s take a look at which states require mandatory personal injury coverage below.
The All-Seeing 15
It’s not only your car that feels the impact of a collision. According to the Association for Safe International Road Travel (ASIRT), between 20-50 million auto drivers are injured or disabled per year as result of a car accident. It is estimated that by the year 2030, road traffic injuries will become the fifth leading cause of death worldwide. Globally, traffic accidents cost $518 billion USD. This means victims involved in car accidents are paying out the nose for damages to their vehicles and injuries to their person. And not everyone (or anyone) has the means to pay for auto body maintenance or medical bills out of pocket. The injured parties who can’t afford the exorbitant expenses of car repair or physical therapy go on to continue living with the pain of their injuries and loss of a totaled car. What does this mean? A loss of livelihood.
15 of our 50 states recognized the need for an insurance that takes care of its carriers. The 15 states that make sure their communities protect themselves in case of an auto accident are as follows: