California does not require drivers to carry personal injury protection (PIP) insurance. However, PIP can still be a valuable add-on coverage in California.
What is PIP Insurance?
PIP pays for medical expenses for you and your passengers after an accident, regardless of fault. It may cover:
- Doctor visits
- Physical therapy
- Lost wages
- Funeral costs
PIP provides benefits quickly without having to file a bodily injury liability claim.
PIP Not Required in California
California is a “tort” state, meaning those at-fault for accidents are responsible for damages. Therefore, PIP is not mandatory in California like it is in no-fault states.
However, drivers can purchase PIP to supplement health insurance and get extra protection. Many insurers offer PIP as an optional add-on.
PIP Benefits and Limits
Typical PIP limits in California are $1,000 to $10,000. Higher limits provide more coverage but cost more in premiums.
Some insurers also offer enhanced PIP to cover home modifications, child care, and in-home support services.
Is PIP Worth It?
PIP can be beneficial for:
- Drivers with inadequate health insurance
- Passengers you want to protect
- Added peace of mind
However, for some drivers, PIP may not provide enough value to justify the additional cost. Evaluate your specific needs.