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Which States Have Mandatory Personal Injury Coverage?

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:

  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Texas
  • Utah

    What exactly does personal injury coverage provide? PIP helps cover medical expenses, lost wages, and in dire circumstances, funeral expenses. Not only is the driver protected in the case of an accident, but so are all and any passengers inside the vehicle at the time of the traffic accident.

  • Of course coverage varies by state. As with other auto insurance policies, the amount of protection you have depends on the limits you purchase. Each state sets a minimum limit requirement. An important factor to consider when purchasing PIP insurance is how much your medical insurance would cover if you were injured in an accident. Not all insurance packages are created equal. Rather than test the coverage of your medical insurance on the day you need it, supporting yourself with a PIP insurance plan guarantees your protection in a worst-case scenario.

  • When looking for your state’s minimum PIP requirements, these are the points you want to consider: coverage per person, coverage for rehabilitation, coverage for disability, and coverage for funeral expenses. Check out the example below containing information about Kansas PIP insurance minimums (information provided by the Department of Motor Vehicles):

  • Example: Kansas

  • $4,500 per person
  • $900 per month for one year for disability and loss of income
  • $25 per day for in-home services
  • $2,000 for funeral expenses
  • $4,500 for rehabilitation

    CoverHound helps you determine what PIP insurance plan is right for you and your family. Feel safe on the road knowing that no matter what happens, you and your loved ones are protected. Get your free insurance quote today, or call (866)-278-7881 to speak with a licensed CoverHound advisor.
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