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Personal Injury Protection — Missouri

Personal Injury Protection (PIP) pays 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 covers your medical expenses, lost wages, and sometimes funeral costs after a car accident, regardless of fault. Unlike liability coverage that pays the other driver's bills when you're at fault, PIP pays your bills immediately without determining who caused the crash. The coverage kicks in as soon as you receive medical treatment, bypassing the weeks or months it takes for liability claims to settle.

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Who Needs Personal Injury Protection Insurance?

PIP makes sense if you don't have health insurance, carry health insurance with a high deductible, or work as a contractor or freelancer without paid sick leave. It's also valuable if you regularly drive passengers who don't have their own health coverage, since PIP typically extends to anyone injured in your vehicle. Drivers who can't afford to wait months for a liability settlement to pay medical bills benefit most.

Compare your health insurance deductible to the cost of a year of PIP premiums. Factor in whether you have emergency savings to cover immediate medical bills while waiting for a liability claim to settle.

How Much Does Personal Injury Protection Insurance Cost?

  • Your county's average medical costs — urban counties with higher hospital charges see higher PIP rates
  • Claims history in your ZIP code — areas with frequent PIP claims pay higher premiums
  • Whether you add optional coverage for passengers or exclude work-loss benefits
  • Your health insurance deductible — carriers sometimes offer lower PIP rates if you carry health insurance with a low deductible

Related Coverage Types

A man in a dark sweatshirt and worn cap sits in the driver's seat of a vehicle, pulling the seat belt across his chest toward the buckle, with tool cases behind him and a house and bare trees visible through the window.Uninsured and Underinsured Motorist Coverage→A man in a dark button-up shirt works on a laptop at a wooden desk with an open notebook, pen, and rolled-out floor plan drawings, with a lit lamp, framed picture, and a window showing sunset behind him.Liability Insurance→A person in a dark sweater holds out a key fob and key on a ring over a wooden table that holds printed documents and a black pen, with a blurred lit lamp and kitchen interior behind.Minimum Coverage Car Insurance→A woman with long brown hair sits in the driver's seat of a car, seen through the windshield, holding a phone to her ear with one hand on the steering wheel.Full Coverage Car Insurance→
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See What Missouri Drivers Pay for the Coverage They Need

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