Personal Injury Protection — Louisiana
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 your medical expenses, lost income, and sometimes funeral costs after a car accident, without requiring proof that the other driver was at fault. It functions as first-party coverage — you file with your own insurer, who pays within days rather than weeks.
Who Needs Personal Injury Protection Insurance?
PIP makes sense if you lack health insurance, work hourly or contract jobs without paid sick leave, or have a high health insurance deductible that would delay treatment. It's also valuable for households with multiple drivers where passengers frequently ride in your vehicle — PIP covers anyone injured in your car regardless of fault.
Compare your health insurance deductible to typical PIP limits.
How Much Does Personal Injury Protection Insurance Cost?
- State mandate status — PIP costs more in no-fault states where it's required because insurers process higher claim volumes.
- Health insurance coverage — drivers without health insurance pay higher PIP premiums due to increased likelihood of filing claims.
- Household income replacement needs — higher wage earners selecting income replacement coverage pay more because potential payouts are larger.
