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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?"
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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- Gregory R.
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