Auto Insurance
Protect yourself on the road with auto insurance from Nationwide. Find out about coverage options, discounts and get a free online car insurance quote.
PIP - Personal Injury Pertection
Personal injury protection (PIP) insurance covers your medical bills and lost wages when you or your passengers are injured in a car accident. PIP is optional in most states. However, 16 states require you to carry a minimum amount of PIP coverage. PIP insurance may overlap with your health or MedPay insurance, but there are times when multiple policies are recommended.
Personal injury protection, also known as "no-fault insurance," pays the medical bills and rehabilitative costs for you and your passengers after you're injured in a car accident. PIP also extends to instances when you're a passenger in someone else's car, or if you're hit by a car while a pedestrian or cyclist. PIP insurance is different than bodily injury liability insurance in that, while PIP coverage pays for your own expenses, liability insurance pays for the medical expenses of drivers and
passengers in other cars when you are at fault for an accident.
PIP insurance may include some of the same coverage as your health insurance or Medical Payments policy. However, PIP coverage is specifically written for car-related injuries, which are sometimes excluded from health insurance policies, and PIP insurance covers a number of additional expenses not covered by MedPay insurance.
What Does Personal Injury Protection CoverPIP insurance covers necessary medical procedures as well as reasonable expenses related to rehabilitation as you recover from an accident. The types of expenses covered vary by state, and may include:
• Operations
• Hospitalization
• Ongoing professional care
• Lost wages, if you're unable to work
• Funeral expenses and accidental death benefits
Full Coverage
Since “full coverage” isn’t a policy type currently offered, it doesn’t technically cover anything. However, a reliable insurance package that protects you and your passengers can be built from the following three coverages:
• Liability Insurance, which covers costs for the other party’s injuries and repairs in the event of a covered accident in which you’re found at fault.
• Collision insurance, which can cover damage to your vehicle if you are found at fault in a collision, but it does not cover the other party’s vehicle or anyone’s bodily injuries.
• Comprehensive insurance, which covers certain damages to your vehicle that are not caused by a collision with another car (for instance, accidents related to weather, theft, fire and more).
The range of incidents covered by these three insurance types make them a very good starting point for a “full” coverage package; however, the security of your auto insurance depends on many factors, including your policy limits and the deductible amounts you decide on. Furthermore, drivers may also choose additional coverages such as personal injury protection, medical payments coverage, uninsured motorist coverage, underinsured motorist coverage or gap insurance. Our classic car insurance can also provide specialized coverage designed for the unique needs of vintage and classic car collectors.
How much is full coverage insurance?
Insurance providers don’t offer “full coverage,” but you can still build a dependable auto insurance package that protects you in the event of many incidents on and off the road. Naturally, the more coverages you select, the higher your monthly bill. However, there are still plenty of variables that affect your insurance costs, including:
• Your age
• Your location
• Your driving record
• The kind of car you drive
• The policy type(s) you choose
• Your deductible
• Your policy limit(s)
So, how much does full coverage car insurance cost? The answer depends partially on you and your history, as well as the type and amount of insurance you choose. For more information, check out our breakdown of how much car insurance costs. Keep in mind that Nationwide offers a range of discounts for our members – you could save hundreds on your annual bill.
Despite the fact that full coverage insurance is a myth, you can still build an insurance package that protects you in the event of an unexpected incident. Start a free online quote from Nationwide and choose the coverages that are right for you today.
*Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.*