What is PIP and how does it work in Minnesota?

I want to get new car insurance after getting into an accident. I don't really understand how personal injury protection works. Do I need to add it to my new policy?

“In Minnesota, personal injury protection (PIP) is part of the minimum car insurance required to legally drive in the state.
You are required to have at least $40,000 in coverage. This would cover $20,000 for medical costs and $20,000 for non-medical costs, like lost wages per accident.
Since Minnesota is a no-fault state, PIP would cover medical expenses for you or passengers if you get into an accident and are injured, no matter what. Your bodily injury liability would cover another person’s injuries should you be found at fault. “
Emily Maracle
Answered on Apr 30, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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