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Personal Injury Protection — New Hampshire

Personal Injury Protection (PIP) covers your medical bills and lost wages after an accident, regardless of who caused it.

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What Is Personal Injury Protection Insurance?

Personal Injury Protection pays your medical expenses, lost wages, and funeral costs after a car accident, regardless of who caused the crash. Unlike liability coverage, which pays the other driver's bills when you're at fault, PIP covers you and your passengers immediately without waiting for fault determination. In New Hampshire, PIP is optional — the state allows drivers to meet financial responsibility through other means — but carriers must offer it if you choose to purchase coverage.

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Who Needs Personal Injury Protection Insurance?

PIP makes sense if you don't have health insurance, have a high-deductible health plan, or work as a contractor without paid sick leave. It also benefits drivers who frequently carry passengers without their own coverage, since your PIP covers their injuries regardless of fault.

Compare your health insurance deductible and out-of-pocket maximum to PIP limits.

How Much Does Personal Injury Protection Insurance Cost?

  • Household size — policies covering multiple drivers or teenage drivers cost more due to increased injury risk.

Related Coverage Types

An open black mailbox with a raised red flag on a wooden post holds a tan envelope, with a dark sedan parked on a gravel driveway and a lit house porch in the blurred background at dusk.Uninsured and Underinsured Motorist Coverage→A woman with long wavy hair sits in the driver's seat of a car, holding a mobile phone to her ear, seen through the windshield with blurred green trees behind.Minimum Coverage Car Insurance→A man in a dark green henley shirt sits at a wooden desk using a laptop, with drawings, a notepad, a pen and a gray mug around him, a curtained window showing a sunset behind him and a shelf with a lamp to the right.Non-Owner Car Insurance→A hand holds a black car key on a ring above a wooden table with a clipboard of printed forms and a pen, in a blurred interior with a hanging lamp and a dark mug.Liability Insurance→
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