{"id":54371,"date":"2025-03-09T16:43:28","date_gmt":"2025-03-09T23:43:28","guid":{"rendered":"https:\/\/getjerry.com\/?p=54371"},"modified":"2025-03-09T17:47:57","modified_gmt":"2025-03-10T00:47:57","slug":"personal-injury-protection-insurance","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/personal-injury-protection-insurance\/","title":{"rendered":"PIP (Personal Injury Protection) Insurance: What It Is and How It Works"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Personal injury protection insurance \u2014 also called PIP or no-fault insurance \u2014 is a form of <a href=\"\/car-insurance\/\">auto insurance<\/a> designed to help pay for medical bills, lost wages and other expenses if you or your passengers are injured in an accident. PIP coverage pays eligible expenses up to your chosen policy limits, regardless of who is at-fault for the accident. It is required in many states, though it may be offered as optional coverage in others.<\/p>\n\n\n\n<p>In addition to your own car accidents, you can tap PIP coverage if you or your covered family members are injured in an accident in someone else\u2019s car, while riding a bike or walking down the street.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pip-cover\">What does PIP cover?<\/h2>\n\n\n\n<p>PIP insurance covers a wide range of medical expenses and other services related to an eligible accident. These could include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Copays.<\/li>\n\n\n\n<li>Deductibles.<\/li>\n\n\n\n<li>Prescription medication.<\/li>\n\n\n\n<li>X-rays, scans and other diagnostic testing.<\/li>\n\n\n\n<li>Ambulance, surgical and hospital fees.<\/li>\n\n\n\n<li>Dental and optometric care.<\/li>\n\n\n\n<li>Rehabilitation and nursing costs.<\/li>\n\n\n\n<li>Medical supplies and prosthetics.<\/li>\n\n\n\n<li>Essential services (childcare, grocery delivery, yardwork, transportation, house cleaning, etc.)<\/li>\n\n\n\n<li>Funeral expenses.<\/li>\n\n\n\n<li>Disability and lost wages.<\/li>\n\n\n\n<li>Death benefits.<\/li>\n<\/ul>\n\n\n\n<p>Be sure to read your policy documents carefully to understand exactly what\u2019s covered. In some states, drivers must meet a deductible before PIP insurance kicks in.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pip-not-cover\">What does PIP not cover?<\/h2>\n\n\n\n<p>PIP insurance does not cover expenses that aren\u2019t related to an injury you or your passengers suffer in an accident. These can include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Damages to or theft of your vehicle.<\/li>\n\n\n\n<li>Someone else\u2019s vehicle or property damages.<\/li>\n\n\n\n<li>Another driver\u2019s injuries.<\/li>\n<\/ul>\n\n\n\n<p>In addition to PIP, most states require drivers to carry minimum <a href=\"\/car-insurance\/bodily-injury-liability\/\">bodily injury liability<\/a> and <a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">property damage liability<\/a> insurance. These coverages are intended to pay for someone else\u2019s injuries or damages if you are at-fault for the accident.\u00a0\u00a0<\/p>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/at-fault-accident\/\">What is an at-fault accident?<\/a><\/p>\n\n\n\n<p>Most insurers will also allow you to purchase optional comprehensive, collision or uninsured\/underinsured motorists coverages for additional protection.&nbsp;<\/p>\n\n\n\n<p><strong>Read more:<\/strong> <a href=\"\/car-insurance\/types-of-car-insurance\/\">Common types of auto insurance<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pip-work\">How does PIP insurance work?<\/h2>\n\n\n\n<p>PIP coverage is often called no-fault insurance because it protects you no matter who is at fault for your injuries. If you\u2019re involved in a car accident and seek medical care, are forced to miss work or even need help with household tasks while you recover, PIP insurance can step in to help with these expenses.\u00a0<\/p>\n\n\n\n<p>Contact your insurer to activate your PIP coverage; if you\u2019re already <a href=\"\/car-insurance\/car-insurance-claim\/\" data-type=\"car-insurance\" data-id=\"9454\">filing a claim<\/a> against your own policy, this process may be automatic. Depending on your state, eligible medical expenses may first be paid by the at-fault driver\u2019s liability coverage before your no-fault coverage kicks in.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">PIP vs. liability coverage<\/h3>\n\n\n\n<p>Some form of <a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">liability insurance<\/a> is required in nearly all states. It is designed to pay for the other driver\u2019s property and bodily injury expenses if you\u2019re deemed at-fault for an accident. Your liability insurance does not cover your costs, regardless of which driver is responsible for the accident. PIP insurance covers your medical bills and related expenses.\u00a0<\/p>\n\n\n\n<p>Your state may require a combination of liability and first-party PIP insurance, meaning you\u2019re protected no matter how the accident occurs or who is at-fault.&nbsp;<\/p>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/car-insurance-quotes\/\">How to save money by comparing car insurance quotes<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">PIP vs. MedPay<\/h3>\n\n\n\n<p><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments coverage<\/a>, or MedPay, and PIP both help pay for the policyholder\u2019s own medical expenses after an accident. Both coverages also kick in regardless of accident fault.&nbsp;<\/p>\n\n\n\n<p>One important difference between PIP and MedPay is that MedPay is only required in two states (<a href=\"\/car-insurance\/maine\/\">Maine<\/a> and <a href=\"\/car-insurance\/new-hampshire\/\">New Hampshire<\/a>), while PIP is required in 15. MedPay coverage is also limited to medical expenses and sometimes funeral costs, while PIP includes medical expenses as well as lost wages and essential services such as house cleaning or yard work. PIP may also offer a death benefit paid out to your family if you\u2019re killed in an accident. Lastly, MedPay doesn\u2019t require a deductible, but some PIP policies have an upfront threshold that must be met.<\/p>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/best-car-insurance-companies\/\">Compare the best car insurance companies<\/a><\/p>\n\n\n\n<p>Depending on your insurer and where you live, you likely won&#8217;t be able to buy both PIP and MedPay \u2014 but if you have one you don&#8217;t really need the other.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SAVE IN MINUTES WITH SIMPLIFIED HOME + AUTO BUNDLING<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"required\">Where is PIP auto insurance required?<\/h2>\n\n\n\n<p>PIP is required in <a href=\"\/car-insurance\/no-fault-states\/\">no-fault states<\/a> and some at-fault states. It may be offered as optional coverage in some other states.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">PIP insurance is required<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>State<\/strong><\/td><td><strong>PIP Minimum Requirement<\/strong><\/td><\/tr><tr><td><a href=\"\/car-insurance\/delaware\/\" data-type=\"car-insurance\" data-id=\"27519\">Delaware<\/a><\/td><td>$15,000 per person\/$30,000 per accident<\/td><\/tr><tr><td><a href=\"\/car-insurance\/florida\/\" data-type=\"car-insurance\" data-id=\"25949\">Florida<\/a><\/td><td>$10,000<\/td><\/tr><tr><td>Hawaii<\/td><td>$10,000 per person<\/td><\/tr><tr><td><a href=\"\/car-insurance\/kansas\/\" data-type=\"car-insurance\" data-id=\"25520\">Kansas<\/a><\/td><td>$4,500 for medical expenses.$900\/month for one year for disability insurance.$25\/day in substitution benefits (up to one year).$2,000 for post-mortem expenses.$4,500 for rehabilitation services.$900\/month for survivor disability\/loss of income.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/massachusetts\/\" data-type=\"car-insurance\" data-id=\"29389\">Massachusetts<\/a><\/td><td>$8,000<\/td><\/tr><tr><td><a href=\"\/car-insurance\/michigan\/\" data-type=\"car-insurance\" data-id=\"34185\">Michigan<\/a><\/td><td>$50,000; drivers with qualified health insurance plans may opt out.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/minnesota\/\" data-type=\"car-insurance\" data-id=\"20620\">Minnesota<\/a><\/td><td>$40,000<\/td><\/tr><tr><td><a href=\"\/car-insurance\/new-jersey\/\" data-type=\"car-insurance\" data-id=\"1679\">New Jersey<\/a><\/td><td>$15,000<\/td><\/tr><tr><td><a href=\"\/car-insurance\/new-york\/\" data-type=\"car-insurance\" data-id=\"30468\">New York<\/a><\/td><td>$50,000<\/td><\/tr><tr><td><a href=\"\/car-insurance\/north-dakota\/\" data-type=\"car-insurance\" data-id=\"29671\">North Dakota<\/a><\/td><td>$30,000<\/td><\/tr><tr><td><a href=\"\/car-insurance\/oregon\/\" data-type=\"car-insurance\" data-id=\"32889\">Oregon<\/a><\/td><td>$15,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQs  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Do I need PIP insurance if I have health insurance?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Some states require PIP insurance, but it may be wise to carry this coverage even if you live in a state where it\u2019s optional. In most cases, your health insurance covers medical bills related to an accident. However, you would still be responsible for co-pays, co-insurances and deductibles, which PIP could cover. PIP also extends to lost wages, household services and funeral expenses, which health insurance doesn\u2019t cover.&nbsp;<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Will my insurance rates go up if I use my PIP coverage?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>In most states, filing a no-fault claim won\u2019t directly result in higher premiums. Some states have laws that prevent carriers from raising rates just because you filed a PIP claim. However, your rates can still increase, especially if you are the at-fault driver, file more than one not-at-fault claim in a short period of time or if you file a <a href=\"\/car-insurance\/collision-insurance\/\">collision<\/a> or <a href=\"\/car-insurance\/comprehensive-insurance\/\">comprehensive<\/a> claim after your accident.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/01\/Stephanie-Colestock.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/01\/Stephanie-Colestock.png 250w, \/wp-content\/uploads\/2025\/01\/Stephanie-Colestock-150x150.png 150w, \/wp-content\/uploads\/2025\/01\/Stephanie-Colestock-56x56.png 56w, \/wp-content\/uploads\/2025\/01\/Stephanie-Colestock-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Stephanie Colestock            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Stephanie Colestock is a professional writer, CFEI&reg;, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit\/debt, investing, retirement planning, and banking.<\/p>\n<p>Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie&#8217;s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.<\/p>\n<p>When she&rsquo;s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png 250w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-150x150.png 150w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-56x56.png 56w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Annie Millerbernd            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by <a href=\"https:\/\/scholarlycommons.law.northwestern.edu\/cgi\/viewcontent.cgi?article=1455&amp;context=nulr\" target=\"_blank\" rel=\"noopener\">Northwestern University<\/a> and <a href=\"https:\/\/www.hks.harvard.edu\/sites\/default\/files\/centers\/mrcbg\/214_AWP_final_2.pdf\" target=\"_blank\" rel=\"noopener\">Harvard Kennedy School<\/a>. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.<\/p>\n<p>Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor&rsquo;s degree in journalism from the University of Minnesota.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/01\/Lacie-Glover.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/01\/Lacie-Glover.png 250w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-150x150.png 150w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-56x56.png 56w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Lacie Glover            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Lacie Glover is a Lead Writer and Editor with sixteen years\u2019 experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet\u2019s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor\u2019s degree from Colorado State University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Read our guide to learn about PIP car insurance, which states require it and how to know if you need it when shopping for a car insurance policy.<\/p>\n","protected":false},"author":87,"featured_media":54372,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"372\",\"type\":\"main-author\"},{\"id\":\"370\",\"type\":\"editor\"},{\"id\":\"374\",\"type\":\"reviewer\"}]","jerry_author_ids":[372],"jerry_idx_page_label":"","jerry_meta_desc":"Learn about PIP (personal injury protection) insurance, what it covers and how it helps with medical bills, lost wages and more after an accident.","jerry_related_posts":"[5743,35117,29703,30399]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[],"tags":[31,619],"class_list":["post-54371","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-resource_car_insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/54371","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=54371"}],"version-history":[{"count":12,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/54371\/revisions"}],"predecessor-version":[{"id":62183,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/54371\/revisions\/62183"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/54372"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=54371"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=54371"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=54371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}