Another important component of insurance is Personal Injury Protection (PIP), or Medical Payments (MedPay). PIP or MedPay pays for your own medical expenses, any lost wages and whatever other costs may arise when you are injured in an accident. It usually pays 70 - 85% of your losses, and it also pays a death benefit. PIP is required in Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
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