Does California Require PIP Auto Insurance?
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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
  • Surgery
  • 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.

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