Personal Injury Protection — Connecticut
Personal Injury Protection (PIP) pays your medical bills and lost wages after a car accident, regardless of who caused it.
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What Is Personal Injury Protection Insurance?
Personal Injury Protection covers your medical expenses, lost wages, funeral costs, and essential services like childcare after an accident, no matter who was at fault. It pays out immediately without waiting for liability determination or a settlement.
Who Needs Personal Injury Protection Insurance?
PIP makes sense if your health insurance has a high deductible or limited coverage, if you're self-employed and need wage replacement, or if you frequently carry passengers who lack health insurance. It's also valuable for drivers who want immediate medical payment without waiting for fault determination or a liability settlement.
Compare your health insurance deductible to the cost of PIP.
How Much Does Personal Injury Protection Insurance Cost?
- Deductible choice — higher deductibles reduce premium but increase out-of-pocket costs per claim.
- Driving record — at-fault accidents and violations increase PIP premium because they raise claim likelihood.
- Coverage territory — urban areas with higher accident rates and medical costs see higher PIP pricing.
- Stacking elections — some insurers allow stacking PIP limits across multiple vehicles for higher premium.
- Age and claims history — younger drivers and those with prior PIP claims pay more.
