Statutes applicable in some states that allow the addition of personal injury protection (PIP) coverages to auto insurance policies without limiting an injured party’s right to sue in tort. In some of these “add-on” states, purchase of these personal injury (PI), or “no-fault,” coverages is mandatory. In others, purchase is at the insured’s option, although insurers are required to offer them. The statutes typically require insurers to provide or offer to provide first-party benefits for medical expenses, loss of income, funeral expenses, and similar expenses without regard to fault.
Coverages, limits, and each party’s responsibilities vary from state to state, as provided by law.