Does Illinois require PIP coverage?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 6, 2012

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Insurance Question from Des Plaines, IL

Asked on 07/06/2012

Does Illinois require PIP coverage? If I drop my Medical Payments ($5000 each person) coverage am I liable for a passenger who gets injured while in my car?

Answer given on July 07, 2012

Medical payment coverage, or PIP coverage as it is called in some states, is an optional insurance coverage under the auto insurance policy. There is no requirement that it be carried. If you are in an accident and a passenger is injured in the accident, you may be responsible for the injuries. If you caused the accident, then your passenger can file a claim against you. This would be settled under the bodily injury coverage of your policy, up to the policy limits. If you were not at fault, then the insurance for the other driver would be responsible for any injuries to you and your passenger. This would again fall under the bodily injury coverage for the other driver.Medical payments coverage can be used in addition to the bodily injury coverage under an auto policy. There is no requirement of fault for that coverage to apply. It will pay on a per person basis, and it includes you for injuries.

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