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Personal Injury Protection — Indiana

Personal Injury Protection (PIP) covers your medical bills and lost wages after an accident, regardless of who caused it.

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What Is Personal Injury Protection Insurance?

Personal Injury Protection pays medical expenses, lost income, and essential services costs for you and your passengers after an accident, without requiring a fault determination first. It functions as first-party coverage, meaning your own policy pays your bills even if you caused the crash. PIP typically covers hospital bills, rehabilitation, funeral expenses, and a percentage of lost wages up to your selected limit. Unlike liability coverage, which pays the other driver's expenses when you're at fault, PIP pays your expenses regardless of fault.

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Who Needs Personal Injury Protection Insurance?

PIP makes sense for drivers with high-deductible health plans, self-employed individuals who can't afford to miss work without immediate wage replacement, and households with passengers who lack health insurance. It's particularly valuable if you frequently drive with family members or carpool passengers, since PIP covers all occupants in your vehicle regardless of their own insurance status.

Compare your health insurance deductible to the cost of adding PIP.

How Much Does Personal Injury Protection Insurance Cost?

  • Number of vehicles and drivers on the policy — PIP applies per person, so larger households pay more.
  • Zip code medical cost index — areas with higher average hospital and specialist costs see higher PIP premiums.
  • Coordination with health insurance — policies that require health insurance to pay first before PIP kicks in cost less than primary PIP coverage.

Related Coverage Types

A bearded man in a dark button-up shirt sits at a wooden desk typing on a laptop, with papers, a notebook with a pen, a bookshelf, and a window showing a sunset behind him.Full Coverage Car Insurance→A hand holds a car key fob and key above a wooden table with printed forms, a pen, a leather folder and a dark mug, with a blurred person standing in a kitchen behind.Minimum Coverage Car Insurance→A woman wearing a gray top and dark quilted vest sits in a car's driver seat with a seatbelt on, holding a phone to her ear behind the steering wheel.Liability Insurance→A hand holds a key and black fob over a wooden table with printed forms, a pen, and a dark mug, in a blurred kitchen interior.Uninsured and Underinsured Motorist Coverage→
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