Arizona PIP Explained: Why You Need Personal Injury Protection

June 23, 2025

Understand why Personal Injury Protection (PIP) can help cover your medical costs and lost wages after an accident — even if you’re not at fault.

Have you ever wondered who pays your medical bills after a car accident — even if the crash wasn’t your fault? That’s where Personal Injury Protection (PIP) can help. In this blog, we’ll break down what Arizona PIP is, how it works, and why adding this protection to your policy could save you from serious financial stress.

What Is Personal Injury Protection (PIP)?

PIP is optional car insurance coverage that helps pay for medical bills after an accident — no matter who was at fault.

Here’s what PIP usually covers:

  • Medical expenses (hospital bills, doctor visits, therapy)
  • Lost wages if your injuries keep you from working
  • Funeral costs (if the accident causes death)
  • Costs for essential services (child care, cleaning help)

Unlike other parts of your auto insurance, PIP kicks in fast because it’s “no-fault” coverage — you don’t have to wait for a liability decision before receiving help.

What Is Personal Injury Protection (PIP)?

PIP is optional car insurance coverage that helps pay for medical bills after an accident — no matter who was at fault.

Here’s what PIP usually covers:

  • Medical expenses (hospital bills, doctor visits, therapy)
  • Lost wages if your injuries keep you from working
  • Funeral costs (if the accident causes death)
  • Costs for essential services (child care, cleaning help)

Unlike other parts of your auto insurance, PIP kicks in fast because it’s “no-fault” coverage — you don’t have to wait for a liability decision before receiving help.

Is PIP Required in Arizona?

No — Arizona does not require drivers to carry PIP. However, the state does require bodily injury liability coverage — which pays for other people’s injuries if you cause an accident. But bodily injury liability does not pay for YOUR injuries if the other driver is uninsured, underinsured, or if you caused the crash. That’s why adding PIP can make a huge difference.

Why You Should Add PIP to Your Policy

Here are the biggest reasons many Arizona drivers choose to add PIP:

Immediate Medical Help After an Accident

If you’re hurt in a crash, PIP helps cover hospital visits, surgery, rehab, or therapy — often before your health insurance kicks in. You won’t have to pay large out-of-pocket costs right away.

No Need to Prove Fault First

PIP coverage works no matter who caused the accident.
This is huge — because fault investigations can take weeks or months, leaving you stuck with unpaid medical bills. PIP gets you help fast.

Protects You from Uninsured Drivers

Even though Arizona requires insurance, many drivers on the road are still uninsured. If you get hit by one of them, you could be left holding the bills.
PIP gives you protection — even when the other driver can’t pay.

Helps with More Than Just Medical Bills

In a serious accident, you may miss work. You may need help around the house.
PIP can also cover lost wages and services you need during recovery — giving you extra support beyond just hospital bills.

What’s the Difference Between PIP and MedPay?

Some Arizona drivers choose Medical Payments coverage (MedPay) instead of PIP. What’s the difference?

Coverage PIP MedPay
Medical bills ✅ ✅
Lost wages ✅ 🚫
Essential services ✅ 🚫
Covers passengers in your car ✅ ✅
Pays regardless of fault ✅ ✅

Summary: PIP offers broader protection than MedPay. It covers more situations, but may cost slightly more. Many drivers choose PIP because of the extra peace of mind.

How Much PIP Should You Get?

Most Arizona insurers let you choose your PIP limit — commonly $5,000 to $25,000.


Tip: Think about your health insurance deductible, typical medical costs, and lost income if you were hurt. Many drivers pick at least $10,000–$15,000 in PIP coverage.

Adding PIP to your Arizona auto insurance policy is smart protection. It’s affordable and gives you fast access to money for medical care, lost wages, and extra help after an accident. Don’t wait until it’s too late. Accidents can happen to anyone — and even a “minor” crash can bring big medical bills. Protect yourself with PIP.


Need help understanding your options or updating your insurance?
Call Christina Now! We can help you connect with trusted insurance agents and legal pros

— so you’re fully protected in case of an accident.

Not sure if your car insurance covers YOU after an accident? Share this blog with friends and family so they can learn why PIP is a smart option for Arizona drivers!