What is the benefit of unlimited PIP coverage?

Is unlimited PIP worth the extra cost? My car insurance policy offers an option for unlimited personal injury protection coverage. I have a good health insurance plan.

Answer provided by
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Emily Maracle
Answered on Jul 06, 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.
“You could still benefit from unlimited PIP on your car insurance policy even if you have a good health insurance plan.
Unlimited personal injury protection will pay for all costs associated with your injuries in an accident. PIP often also covers things like:
  • rehabilitation
  • attendant care
  • surgical operations
  • funeral expenses
To determine whether unlimited PIP is beneficial to you, you’ll want to look at the benefits that your health insurance provides. If your health insurance provides the same benefits that PIP does, you likely can reduce your coverage to a lower amount.
If PIP covers more than what your health insurance does, it may be worth the extra cost to ensure your medical expenses would be covered if you’re injured in an accident. If unlimited PIP is too expensive, you should consider carrying the highest amount of coverage you can afford.”
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