Personal Injury Protection Insurance / No-Fault Insurance

No-Fault Insurance Coverage

Personal injury protection (PIP) coverage, sometimes called no-fault insurance coverage, pays benefits related to personal injuries resulting from an automobile accident.

This coverage applies without regard to who was at fault in the accident. It covers losses tied to injuries, and does not cover damage to a car, or to any other property. No-fault insurance coverage is provided on a per-person, per-occurrence basis.

Insurance Coverage availability varies by state.
 

Determining Your Limits for Personal Injury Protection

In some states, personal injury protection is mandatory. In other states, personal injury protection is not available at all. If personal injury protection is available in your state, you should consider what your health insurance will cover and what it will not – and how the following expenses could be impacted should you or someone in your household be injured in a car accident.

Medical Expenses – Personal injury protection can pay reasonable expenses for necessary hospital, medical, surgical, optical, dental, chiropractic, rehabilitation, X-rays, prostheses, prescription drugs, ambulance and nursing costs.

Work Loss – Personal injury protection can pay for loss of income due to injury, including costs incurred by a self-employed person who hires substitute employees to perform necessary tasks and to maintain income.

Funeral Expenses – Personal injury protection can cover reasonable funeral and burial or cremation expenses.

Survivors’ Loss – Personal injury protection can pay for loss of income and replacement services to the surviving dependents.

Essential Services – Personal injury protection can pay for essential services, such as household maintenance, to replace those normally performed by the injured person.
 

When No-Fault Insurance Comes in Handy

Let’s say you're driving to work one morning when you unexpectedly collide with another car. You’re pretty banged up and have to go to the hospital. Luckily your injuries aren’t life threatening, but the doctors estimate you’re going to be out of work for six weeks while you recover.

You’re worried about loss of income for six weeks but luckily, you have no-fault auto insurance to help. Regardless of who is at fault in this scenario (you or the other driver), your personal injury protection insurance can help pay for your lost income, as well as your medical expenses that your health insurer doesn’t cover.

 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.