The steel sled that you rock from A to Z is pretty convenient and an essential part of your day-to-day life. A healthy and fully functioning body is also important. If you’re in an accident, whether it’s your fault or not, things need to be brought back to their original form and that requires money.
That being said, our independent agents are here to make sure that if you’re banged up in an accident, you have the right personal injury protection (PIP) to get fixed without going bankrupt.
Basically, PIP (aka no-fault insurance) is an auto policy that helps to pay medical bills and other expenses if you’re involved in a crash whether you’re at fault or not, hence the “no-fault”.
Currently, PIP/no-fault insurance is only mandatory in 12 states (see the next section), which means it will automatically be part of your auto policy unless you sign a rejection letter of coverage. In every other state, no -fault insurance is not mandatory but can be still be available.
Select your state to find out if you live in a mandatory "no fault" state.
If you live in a mandatory no-fault state, then you’re required to have the following minimum PIP coverage.
In the event of a crash, no-fault insurance protects you, your family and anyone in the car from out-of-pocket medical expenses. It will even cover you when you’re riding in other people’s cars or if you’re riding on the back of a motorcycle. It’s like a guardian angel with a checkbook.
Policies are different from state to state. At its core, PIP/no-fault insurance will cover any accidents and injuries involving a moving vehicle of any kind. This can range from a moped to a street-legal monster truck.
Coverage can include the following:
No-fault insurance can cost from as little as $50 a month up to a couple hundred. It all depends on your age, the make and model of your car, and how much coverage you want. It won’t be the cheapest addition to your auto policy, but it also won’t break the bank. Bottom line, it’s worth it.
PIP/no-fault insurance can help you meet your deductible in the event of an accident. The best part is it’s for you and you only. Nobody else can make a claim on it but you.
It will also offer some additional coverage. This can include lost wages and replacement services, which most health insurance plans don’t cover.
Our agents can help you determine the right amount of PIP/no-fault coverage and will walk you through a handpicked selection of sweet policy options. Not only that, they’ll cut the jargon and clarify the fine print, so you know exactly what you’re getting.
Most importantly, they’ll be there to help you file a personal injury protection claim. The outcome of insurance claims can be strongly impacted by how the process is approached and handled.
Our gifted agents will review your needs and help you evaluate the best PIP/no-fault coverage for you. They'll also compare policies and quotes from multiple insurance companies to make sure you have the proper protection to keep you safe.