No Fault-PIP

What is no fault auto insurance

No fault auto insurance is a type of auto insurance system that allows individuals to recover financial losses from their own insurance companies, regardless of who is at fault for an accident. It is designed to reduce the number of lawsuits filed over minor accidents and allows individuals to receive compensation more quickly.

What states have mandatory no fault auto insurance

The following states have mandatory no-fault auto insurance laws:

• Florida
• Hawaii
• Kansas
• Kentucky
• Massachusetts
• Michigan
• Minnesota
• New Jersey
• New York
• North Dakota
• Pennsylvania
• Utah

Florida

Florida requires all drivers to have at least a minimum amount of coverage in order to operate a motor vehicle within the state. The minimum coverage includes $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP pays for medical and disability expenses for you and your passengers, regardless of who is at fault in the accident. PDL pays for damage to another person’s property if you are at fault in the accident.

In addition to these minimum requirements, most insurance companies offer additional coverage, such as Bodily Injury Liability (BIL) and Uninsured/Underinsured Motorist Coverage (UM/UIM), which provide additional protection if you are in an accident with an uninsured or underinsured driver. It is important to review your auto insurance policy to ensure that you have the coverage you need.

Hawaii

Hawaii is a no-fault auto insurance state, meaning that insurance companies are required to provide a certain level of coverage regardless of who is at fault in an accident. The required minimum coverage limits in Hawaii are:

• Bodily Injury Liability: $20,000 per person, $40,000 per accident
• Property Damage Liability: $10,000 per accident
• Personal Injury Protection (PIP): $10,000 per person
• Uninsured/Underinsured Motorist Coverage: $20,000 per person, $40,000 per accident

Drivers are not required to carry Comprehensive and Collision coverage, though they may want to consider purchasing these coverages to reduce out-of-pocket costs if their car is damaged in an accident or stolen.

Kansas

In Kansas, all vehicles registered in the state must carry liability insurance coverage that meets the state’s minimum requirements. Liability coverage pays for damages and medical expenses resulting from an at-fault accident.

Minimum requirements are:

• Bodily Injury Liability: $25,000 per person/$50,000 per accident
• Property Damage Liability: $10,000 per accident

Kansas does not require drivers to purchase no-fault auto insurance. No-fault insurance policies provide benefits to the policyholder and their passengers for medical expenses regardless of who is at fault in an accident.

Kentucky

The minimum requirements for no fault auto insurance in Kentucky are as follows:

• Bodily Injury Liability Coverage: $25,000 per person / $50,000 per accident
• Property Damage Liability Coverage: $10,000
• Personal Injury Protection (PIP): $10,000
• Uninsured/Underinsured Motorist Coverage (UM/UIM): $25,000 per person / $50,000 per accident
• Collision Coverage: Optional
• Comprehensive Coverage: Optional

Massachusetts

Massachusetts is a no-fault insurance state. This means that regardless of who is at fault in an accident, each driver’s insurance company is responsible for the medical expenses. All drivers in the state of Massachusetts must carry at least the following minimum amounts of insurance coverage:

• Bodily Injury Liability Coverage: $20,000 per person/$40,000 per accident
• Property Damage Liability Coverage: $5,000 per accident
• Personal Injury Protection (PIP): $8,000 per person
• Uninsured/Underinsured Motorist Coverage: $20,000 per person/$40,000 per accident

Michigan

In Michigan, all registered vehicles must carry no-fault automobile insurance. This insurance covers medical expenses, lost wages, and other expenses that may result from an automobile accident, regardless of who is at fault.

The minimum amount of coverage required by law is:

• Bodily Injury Protection: $20,000 per person/$40,000 per accident
• Property Protection: $10,000 per accident
• Personal Injury Protection: Unlimited

Minnesota

Minnesota requires all drivers to carry no fault auto insurance, also known as personal injury protection (PIP) coverage. This coverage pays for medical bills, lost wages, and other costs related to an accident regardless of who caused it.

The minimum coverage limits are

• $40,000 per person, $20,000 per accident
• $10,000 for property damage.

Drivers must also carry liability insurance with at least $30,000 per person, $60,000 per accident, and $10,000 for property damage.

New Jersey

New Jersey law requires all drivers to have auto insurance that includes the following coverages:

• Bodily Injury Liability Coverage: This pays for injuries caused to another person if you are responsible for an accident. The minimum coverage limits are $15,000 per person and $30,000 per accident.
• Property Damage Liability Coverage: This pays for damage to another person’s property if you are responsible for an accident. The minimum coverage limit is $5,000
• Personal Injury Protection Coverage: This pays for medical expenses and lost wages for you and your passengers if you are in an accident, regardless of who is at fault. The minimum coverage limit is $15,000.
• Uninsured/Underinsured Motorist Coverage: This pays for damages to you and your vehicle if you are injured in an accident caused by a driver who does not have insurance or does not have enough insurance. The minimum coverage limits are $15,000 per person and $30,000 per accident.

New York

New York requires all drivers to have a minimum of $50,000 per person, $100,000 per accident in bodily injury liability coverage, $25,000 in property damage liability coverage and $50,000/$100,000 in uninsured/underinsured motorist coverage. It is also mandatory for drivers to have no-fault insurance, which pays for medical bills and other expenses incurred in an accident regardless of who is at fault. The minimum coverage requirement for no-fault insurance is $50,000.

North Dakota

North Dakota is a no-fault state for auto insurance. This means that personal injury protection (PIP) coverage must be included on all automobile insurance policies issued in the state. PIP covers medical expenses, lost wages, and other expenses related to an auto accident, regardless of who was at fault. The minimum coverage required in North Dakota

• Bodily Injury Liability: $25,000 per person/$50,000 per accident
• Property Damage Liability: $25,000 per accident
• Basic no-fault – $30,000 per person. Basic no-fault provides you coverage for economic loss (such as medical expenses and work loss) as a result of an accidental injury without regard to fault. No-fault is also known as Personal Injury Protection (PIP).

Additionally, drivers must carry uninsured/underinsured motorist coverage with at least the following minimum limits: * Uninsured Motorist Bodily Injury: $25,000 per person/$50,000 per accident , Uninsured Motorist Property Damage: $25,000 per accident

Pennsylvania

The minimum coverage requirements for Pennsylvania no fault auto insurance are as follows:

• Bodily Injury Liability – $15,000 per person, $30,000 per accident
• Property Damage Liability – $5,000
• Personal Injury Protection (PIP) – $5,000
• Uninsured Motorist Bodily Injury – $15,000 per person, $30,000 per accident
• Uninsured Motorist Property Damage – $5,000

Utah

In Utah, the minimum requirements for no-fault auto insurance are:

• Bodily Injury Liability Coverage: $25,000 per person / $65,000 per accident
• Property Damage Liability Coverage: $15,000 per accident
• Personal Injury Protection (PIP): $3,000 per person (required for all drivers)
• Uninsured Motorist Coverage: $25,000 per person / $65,000 per accident (optional)
• Collision Coverage: $1,000 minimum (optional)
• Comprehensive Coverage: $1,000 minimum (optional)