Free car insurance quotes the general8/29/2023 ![]() PIP is required in no-fault states like Florida. Personal injury protection (PIP) also covers your passengers’ and your medical costs in accidents you cause, but unlike medical payments coverage, it also includes reimbursements for child care or lost wages.Medical payments coverage pays for your passengers’ and your injuries in accidents you cause if you’re in an at-fault state.Property damage coverage covers damages to the other party’s vehicle (and any other objects they own) in accidents you cause.Bodily injury coverage pays for the other party’s medical payments in accidents you cause.To see what your state laws require, read our auto insurance guide. Additionally, some states require uninsured/underinsured motorist coverage, personal injury protection (PIP), or medical payments coverage. ![]() While most states require liability coverage, which includes both bodily injury and property damage coverage, some states only require one or the other. Then, you can add on supplemental coverages as you see fit. You must meet your state’s minimum financial responsibility laws in terms of coverages and limits. The entire point of a car insurance policy is auto coverage, financial reimbursements for your losses and the losses of the other party in accidents you’ve caused.
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