If I have PIP coverage, why do I need to carry bodily injury coverage?

"If we have to carry PIP, why do we need to have bodily injury too? I live in Pennsylvania and here, every driver has to have PIP coverage. Don't they pay for the same thing?"

Answer provided by
Shannon Martin
Answered on Jul 28, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Personal injury protection (PIP) and bodily injury do sound like similar coverages and cover similar things. However, they are different, and the differences matter.
PIP is another form of medical payment coverage. In PA, the minimum option is $5,000. It is considered ‘no-fault’ coverage, so each driver pays for themselves and their passengers regardless of who is at fault for the accident. PIP can be paid out almost right away to aid with medical bills.
Once the PIP limits are exceeded, bodily injury kicks in, and who is at fault will play a part. It can take time to determine fault, lost wages, and pain and suffering. Bodily injury will take care of these payments.”

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