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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?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
“View full answer
- Gregory R.
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