Personal Injury Protection — Maine
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 essential services costs after a car accident, no matter who was at fault. It kicks in immediately without waiting for liability determination or a lawsuit. PIP covers you, your passengers, and household members injured in your vehicle or while riding in someone else's car. Most policies include a per-person limit and a per-accident aggregate limit.
Who Needs Personal Injury Protection Insurance?
PIP makes sense if you lack health insurance or carry a high-deductible health plan, since it pays medical bills immediately without coordination of benefits delays. It's valuable for self-employed drivers or gig workers without paid sick leave, as it replaces lost income during recovery. Households with multiple drivers benefit from the per-person coverage structure, especially if passengers frequently ride in your vehicle.
Compare your health insurance deductible and out-of-pocket max to typical PIP limits. Review your policy's coordination-of-benefits clause — some PIP policies pay primary and let you keep health insurance reimbursements, while others pay secondary and only cover gaps.
How Much Does Personal Injury Protection Insurance Cost?
- Household size and driver count — more covered individuals increase the insurer's exposure and raise cost.
- Your ZIP code and county — urban areas with higher accident rates and medical costs see higher PIP premiums.
- Claims history — prior PIP claims on your record can increase renewal rates.
- Stacking election — if you own multiple vehicles and choose stacked PIP limits, premiums rise proportionally.
