Do Ohio Drivers Have PIP?
PIP is personal injury protection insurance coverage, often called no-fault insurance coverage because it doesn’t matter who is at fault for the insurance to pay out a claim. Though PIP insurance is recognized in our neighboring states, Michigan and Pennsylvania, Ohio does not require or recognize this type of coverage.
What Is PIP
Personal Injury Protection is generally a component of your auto insurance that covers medical and other injury-related expenses, no matter who caused the accident. Sometimes PIP coverage is offered as an add-on option with your car insurance, but in some states the coverage is mandatory.
PIP covers the policy owner in case they are in a motor vehicle accident. It generally pays your medical expenses including –
- Medical and surgical treatments
- Dental treatments
- Optometric treatment
- Nursing services
- Ambulance services
- Medical costs
- Medical supply costs
- Prosthetic device costs
But PIP insurance may also cover other expenses including –Lost wages:
If you are injured in a crash and miss work because of your injuries, PIP may cover the missing income. It may also help your passengers recover lost wages if they too are injured.Personal Services:
PIP may also help you pay for any personal services you may need if your injuries prevent you from being able to do your normal daily tasks like shopping, cleaning your home, and even driving to and from your doctor or physical therapy appointments.Funeral expenses:
If the injuries sustained in the accident lead to death, this insurance may also be used to help cover funeral expenses.
Unlike regular auto insurance, policy rates do not increase if you cause an accident. Instead rate fluctuations are based on how many accidents you are involved in and how severe your injuries.
If you live in a no-fault state, you can estimate how much needs to be added to your auto insurance policy by checking with your health insurance policy to see how it covers accident injuries and loss of income. Depending on your health coverage, you may only be required to sign up for the minimum PIP coverage required by the laws in your