PIP Insurance from Progressive
Required in certain states, Personal Injury Protection (PIP) covers medical bills and lost wages for you and your passengers after a car accident.
Written by Mariza Morin
Reviewed by Alita Dark
Progressive offers Personal Injury Protection (PIP) or no-fault insurance to cover medical expenses and non-medical expenses, such as lost wages or household services for you and your passengers if you sustain injuries after an accident—no matter who is at fault.
Not all
car insurance
companies offer personal injury protection insurance. But if you live in a no-fault state
, then you’re required to carry at least the minimum amount of PIP insurance. While coverage limits differ from state to state, it’s important to select the right amount of PIP coverage for you depending on various factors, like your current health insurance coverage.In this article, we’ll cover everything you need to know about personal injury protection coverage from Progressive.
What is Progressive PIP insurance?
Progressive
offers Personal Injury Protection (PIP) insurance to cover medical bills and loss of wages for you and your passengers after a car accident
—regardless of who is at fault. For this reason, personal injury protection coverage is also referred to as no-fault insurance.No-fault insurance states often require PIP insurance as drivers are responsible for covering their own medical expenses through their auto insurance if they sustain any injuries after an accident. If you live in a fault state, or tort state, personal injury protection insurance through Progressive may be optional or not offered at all.
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What does personal injury protection cover?
If you or your passengers suffer any injuries after a car accident, personal injury protection insurance covers medical expenses and non-medical expenses—depending on which state you live in. With PIP insurance, you may be covered for:
- Medical bills
- Loss of wages
- Household services, like childcare and house cleaning
- Disability and rehabilitation expenses
- Funeral expenses and death benefits (paid to your family members if your injuries are fatal)
What isn’t covered by personal injury protection coverage? No-fault insurance doesn’t cover any extraneous expenses after an auto accident, including damages to your vehicle (you’ll need
collision
and comprehensive coverage
for that!) or damages to the other driver’s vehicle. If you’re deemed at fault in the accident, your property damage liability
insurance will cover any necessary repairs. Bodily injury liability
will help pay for other drivers’ medical expenses as well.Should you get PIP coverage?
Even if your state doesn’t require you to purchase PIP, this
type of insurance
can still be a great coverage option to have as part of your regular auto insurance policy.For instance, if you don’t have your own health insurance or you’re on a high-deductible plan, personal injury protection insurance covers your health insurance deductible and medical expenses. Or if you suffer physical injuries as a result of an accident, PIP insurance also covers your loss of wages and household services like childcare if you’re unable to perform these tasks.
Additionally, personal injury protection may be necessary if you don’t have life insurance. In the unfortunate event that your car accident becomes fatal, PIP coverage will help your family cover the costs of funeral expenses.
Is PIP insurance mandatory?
PIP insurance is not offered in all states. If you live in one of the states where it’s not available for purchase, you have the option to add
medical payments coverage (MedPay)
to your insurance policy. While MedPay doesn’t cover loss of wages, it will cover medical bills, deductibles, funeral expenses, or other out-of-pocket expenses for you and your passengers no matter who is at fault in the accident.How much does PIP coverage cost with Progressive?
Personal injury protection costs vary from state to state. But if you live in a state that requires PIP coverage and you have health insurance, you may want to opt for the minimum amount of coverage to help keep your premium low.
Or if you have a low deductible on your health insurance, consider a higher deductible on your personal injury protection insurance to help reduce your monthly rates—though keep in mind that most states don’t have a deductible for PIP insurance. In this case, personal injury protection might be preferable if you have a high deductible on your health insurance plan.
How to add PIP to your Progressive car insurance policy
Looking to add personal injury protection coverage to your Progressive insurance policy? Here are your options if you require this coverage or want to learn more about PIP benefits.
If you’re a new Progressive customer, then call a licensed representative at 1-866-749-7436 or you can easily get a car insurance quote online.
If you’re a current customer, you can call the same number to add PIP coverage to your insurance policy or log in to your
Progressive account
online.“Jerryblew my mind, honestly. From start to finish, using the app took me 10 minutes and I ended up with $100 of savings a month. Best of all, customer service answered all my questions about rental car reimbursement and roadside assistance.” —Savanna R.
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FAQs
What is the difference between PIP insurance and medical payments coverage (MedPay)?
While personal injury protection insurance and medical payments coverage (MedPay) both pay for the medical bills of you and your passengers after a car accident, MedPay does not cover non-medical expenses, such as loss of wages or childcare.
What are the benefits of PIP insurance?
Depending on your state, personal injury protection insurance covers medical expenses, lost wages, childcare, disability costs, funeral expenses, and more for you and your passengers if you’re involved in a car accident—regardless of who is at fault.
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