Why Do I Need Personal Injury Protection in Pennsylvania?

Professional photograph of personal injury attorney John Mattiacci, a young caucasian man with short brown hair, crossing his arms and smiling, wearing a steel-blue suit, white shirt, silver tie, and wedding ring. There is a brick building and green shrubbery in the background.
I hope you enjoy reading this blog post. If you want to hire a personal injury lawyer, click here.

Author: John Mattiacci | Owner Mattiacci Law
Published May 24, 2025

Personal Injury Protection

Even a minor car accident can leave you facing unexpected medical bills, lost income, and stress—especially if you’re unsure how your insurance works. You might be wondering, Why do I need Personal Injury Protection in Pennsylvania, and what does it actually cover?

You need Personal Injury Protection (PIP) in Pennsylvania because it guarantees coverage for your medical expenses, lost wages, and certain out-of-pocket costs after an accident—regardless of who was at fault—under the state’s no-fault insurance laws.

With decades of experience helping injured drivers across Pennsylvania, I’ve seen firsthand how PIP can provide critical financial relief when it’s needed most.

In this guide, I’ll break down exactly what PIP covers, how it works with other insurance options, and why it’s essential for every Pennsylvania driver.

 

Why Do I Need Personal Injury Protection in Pennsylvania?

 

What Is Personal Injury Protection in Pennsylvania?

Personal Injury Protection (PIP) is a required component of auto insurance in Pennsylvania that provides no-fault medical coverage for drivers and passengers injured in motor vehicle accidents. In Pennsylvania, PIP and ‘First-party benefits’ (FPB) are often used interchangeably to describe the auto insurance coverage motorists must carry.

Key terms to understand:

  • No-Fault Insurance: Your own insurer pays for your injuries—even if someone else caused the crash.

  • PIP Minimum Limit: $5,000 in medical benefit coverage is required by state law. Pennsylvania requires drivers to carry at least $5,000 in PIP coverage as part of their auto insurance policies.

  • Medical Expense Coverage: Covers hospital stays, emergency room visits, surgeries, physical therapy, and more.

PIP is designed to ensure fast access to medical care without needing to sue or prove fault. In Pennsylvania, drivers seek compensation from their own insurance provider for medical expenses regardless of who caused the accident. It’s distinct from bodily injury liability coverage, which applies to others you injure.

 

Why Is PIP Insurance Important in Pennsylvania?

Why is Personal Injury Protection important for Pennsylvania drivers?
Because it ensures your medical bills are covered immediately, regardless of fault, and without legal delays.

Here’s why it matters:

  • Immediate Coverage: PIP pays for treatment even before fault is determined.

  • Protects Against High Medical Costs: Emergency care and follow-up treatment can exceed $10,000 in days.

  • Avoids Collection Actions: Hospitals may send unpaid bills to collections if not covered promptly.

Common Scenarios Where PIP Is Critical:

  • You were rear-ended but the other driver’s insurer is stalling

  • Your passenger needs an ambulance and ER treatment

  • You suffer delayed symptoms like whiplash or soft-tissue injuries

Even with health insurance, you’re still responsible for deductibles, co-pays, and denied services—PIP often pays faster and covers more upfront.

 

How to Use Personal Injury Protection in Pennsylvania

How do you file a PIP claim in Pennsylvania?
To use PIP in Pennsylvania, report the accident to your insurer, submit medical documentation, and request reimbursement or direct payment for covered costs.

Here’s a step-by-step guide:

  1. Get Immediate Medical Attention
    Seek treatment within 14 days of the accident for your claim to be stronger.

  2. Report the Accident to Your Insurer Promptly
    Pennsylvania law encourages you to file a claim as soon as possible—ideally within 48 hours.

  3. Request a PIP Claim Form
    Your carrier must provide you with necessary paperwork to submit expenses.

  4. Submit Your Bills and Documentation
    Include itemized medical bills, doctor’s notes, wage loss verification, and accident details.

  5. Track Your Claim Timeline
    Insurers have 30 days to pay valid claims once complete documentation is submitted.

  6. Consult an Attorney if Denied or Delayed
    We regularly help clients dispute PIP denials or low payment offers.

 

Your Path To Recovery
Need Award Winning Representation for Your Injury Insurance Case?
Our experts are ready to help you claim the compensation you need to move forward.

What Does PIP Cover in Pennsylvania?

What does Personal Injury Protection insurance cover in Pennsylvania?
PIP covers medical treatment, rehabilitation costs, and sometimes lost wages and funeral expenses depending on your policy.

Standard Coverage Includes:

  • Ambulance and ER care

  • Surgery and hospital stays

  • Diagnostic imaging (X-rays, MRIs, etc.)

  • Physical therapy

  • In-home medical care

Optional Add-Ons:

  • Income Loss Benefits: Replaces a portion of wages if you miss work.

  • Accidental Death Benefit: Provides a lump-sum payment to beneficiaries.

  • Funeral Expense Coverage

 

Personal Injury Protection Coverage Options Compared

What are your Personal Injury Protection options in Pennsylvania?
Pennsylvania drivers can choose from minimum required PIP or increase their limits and add optional benefits for broader protection. Drivers in Pennsylvania can enhance their PIP coverage by adding Optional First Party Benefits in various limits. Insurance companies in Pennsylvania must offer medical coverage options up to at least $100,000 for PIP insurance, providing drivers with the opportunity to secure more comprehensive coverage.

Comparing PIP Coverage Options

PIP Coverage Amount Monthly Premium Covers Medical Costs Covers Lost Wages Recommended For
$5,000 (minimum) Lowest ✅ Yes ❌ No Budget-conscious drivers
$10,000 Moderate ✅ Yes ✅ Partial Families, commuters
$50,000 High ✅ Yes ✅ Yes High-risk drivers, rideshare operators
Custom Add-Ons Varies ✅ Yes ✅ Yes Anyone wanting maximum protection

*Higher PIP limits mean better coverage—but also higher premiums. In serious accidents, $5,000 rarely goes far. In Pennsylvania, drivers can opt for higher coverage limits than the minimum PIP requirement of $5,000.

 

How Does Pennsylvania’s Tort System Affect PIP?

How does limited tort vs. full tort affect your injury claim in Pennsylvania?
PIP pays your medical bills regardless, but your tort selection determines whether you can sue for pain and suffering.

Tort Options in Pennsylvania:

  • Limited Tort: Lower premium, but limits your right to sue unless the injury is “serious.”

  • Full Tort: Higher premium, but retains full rights to sue the at-fault driver for non-economic damages.

PIP pays immediate medical expenses, but tort selection matters if you want to recover additional compensation for pain, emotional distress, or permanent injury. Once the PIP coverage limit is exhausted, individuals must pursue other sources for continued coverage of expenses, such as health insurance or claims against the at-fault driver.

 

Pennsylvania Laws and PIP Claim Requirements

 

Pennsylvania Laws and PIP Claim Requirements

What are the PIP insurance laws and deadlines in Pennsylvania?
Pennsylvania requires at least $5,000 in PIP under 75 Pa.C.S. § 1711, and insurers must pay claims within 30 days of complete documentation under § 1716.

Key Legal Requirements:

  • Minimum Coverage: $5,000 for medical benefits (required)

  • Primary Payer: Auto insurance PIP pays before health insurance

  • Statute of Limitations: File PIP claims within 3 years of the accident

  • Claim Timeline: Insurance must pay within 30 days of full submission

If your insurer delays, underpays, or denies coverage, you may be entitled to file a complaint with the Pennsylvania Insurance Department or pursue legal action. An insurance company can deny PIP claims for various reasons, including lack of coverage or failure to meet policy requirements, so it’s crucial to ensure all documentation is accurate and complete.

 

Common PIP Mistakes That Can Cost You

What are common mistakes people make with PIP claims in Pennsylvania?
Failing to seek prompt treatment, missing deadlines, or providing incomplete documentation can delay or reduce your PIP benefits.

Avoid These PIP Pitfalls:

  • Delaying Medical Care: Weakens claim validity

  • Not Reporting the Accident Promptly: Can void coverage

  • Relying on Health Insurance Alone: PIP must pay first

  • Skipping Documentation: Submit everything in writing with proof

Tip: Always request a copy of your full insurance declaration page to confirm what PIP benefits you have.

 

Who Is Covered Under Your PIP Policy?

Who does PIP insurance cover in Pennsylvania?
Your PIP coverage applies to you, your passengers, household relatives, and pedestrians injured by your vehicle.

This includes:

  • You, as the policyholder

  • Spouse and children living in the household

  • Passengers in your car

  • Pedestrians struck by your vehicle

Even if someone else is driving your car with permission, PIP still applies to injured passengers or yourself.

 

What Should You Do After a Car Accident in Pennsylvania?

If you’ve been hurt in a crash, using your PIP benefits is just the beginning.
You deserve medical care without delay, and if the insurance company stalls, denies your claim, or offers too little—you need someone who will fight for your full rights.

At Mattiacci Law, we help Pennsylvania accident victims recover the maximum compensation available under the law. Whether it’s filing your PIP claim, disputing a denial, or pursuing a full injury lawsuit, we’re here to help.

Call 215-914-6919 now for a free consultation
No fee unless we win – Don’t wait—deadlines apply and acting fast protects your rights.

 

Further Reading:

Resources:

Can I sue the at-fault driver if I have PIP?

Yes, but only for damages not covered by PIP, such as pain and suffering—depending on whether you selected limited or full tort coverage.

Does PIP cover chiropractic or physical therapy?

Yes, if prescribed as part of your accident-related treatment and within reasonable medical guidelines.

Can I increase my PIP coverage?

Yes, you can raise your medical benefit limit and add income loss or funeral benefits to your policy.

What if I was a passenger in someone else's car?

You still receive PIP benefits under that vehicle's policy or potentially your own, depending on the situation.

What if the other driver doesn’t have insurance?

You still use your PIP coverage to pay for medical expenses—regardless of the other driver’s insurance status.
Quick Links