Personal Injury Protection — Arizona
Personal Injury Protection (PIP) pays your medical bills and lost wages after a crash, regardless of who caused it.
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What Is Personal Injury Protection Insurance?
Personal Injury Protection covers your medical expenses, lost income, and related costs after any auto accident, whether you caused the crash or not. It pays out immediately without waiting for fault determination or a liability claim to settle. In Arizona, carriers must offer PIP, but you can reject it by signing a written waiver — a decision that affects your ability to sue for non-economic damages like pain and suffering.
Who Needs Personal Injury Protection Insurance?
PIP makes sense if you don't carry health insurance, work as a contractor or freelancer without paid sick leave, or want immediate medical cost coverage without waiting for fault determination. It's also valuable if you regularly transport passengers who lack their own health coverage, since your PIP extends to anyone injured in your vehicle.
If yes, and you have health insurance, rejecting PIP and reallocating that premium to higher liability limits or uninsured motorist coverage often provides better financial protection. If no, or if you lack health coverage, keep PIP.
How Much Does Personal Injury Protection Insurance Cost?
- Household income level — lost wage replacement is calculated as a percentage of income, so higher earners see higher premiums for income protection.
- Health insurance status — if you carry comprehensive health coverage, some carriers discount PIP since it acts as secondary coverage.
- Driving record — at-fault accidents in the past three years increase PIP cost because you're statistically more likely to file a first-party claim.
