Is Personal Injury Protection Required In Wisconsin?

Reginald Gray
Founder and Chief Editor at - PersonalInjuryJustice

Reginald Gray is the visionary force behind PersonalInjuryJustice. A seasoned lawyer with over two decades of experience in personal injury law, Reginald's profound understanding of...Read more

When it comes to car insurance, it’s important to understand the different types of coverage that are available and whether or not they are required by law. If you live in Wisconsin, you may be wondering whether or not personal injury protection (PIP) is required. PIP can be a valuable form of coverage, but it’s important to know whether or not it’s mandatory before you start shopping for car insurance. So, is PIP required in Wisconsin? Let’s find out.

Yes, Personal Injury Protection (PIP) is required in Wisconsin. Wisconsin law requires all drivers to carry a minimum of $10,000 in PIP coverage to help pay for medical expenses, lost wages, and other related expenses in case of an accident. PIP coverage is considered a no-fault insurance, which means it pays out regardless of who was at fault for the accident.

Is Personal Injury Protection Required in Wisconsin?

Is Personal Injury Protection Required in Wisconsin?

If you own a car in Wisconsin, you may be wondering if you need personal injury protection (PIP) coverage. PIP is a type of insurance that helps cover medical expenses and lost wages if you or someone else covered by your policy is injured in a car accident. In Wisconsin, PIP is not required by law, but it can be a valuable addition to your auto insurance policy. Here’s what you need to know.

What is Personal Injury Protection?

Personal injury protection, also known as no-fault insurance, is a type of coverage that pays for medical expenses and lost wages if you or someone else covered by your policy is injured in a car accident. Unlike liability insurance, which pays for damages you cause to other people and their property, PIP coverage pays for your own expenses regardless of who was at fault for the accident.

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Benefits of PIP Coverage

One of the main benefits of PIP coverage is that it can help cover medical expenses and lost wages if you or someone else covered by your policy is injured in a car accident. This can include hospital bills, doctor’s visits, rehabilitation services, and lost income if you are unable to work due to your injuries.

Another benefit of PIP coverage is that it can help cover expenses that may not be covered by your health insurance, such as deductibles and copayments. It can also provide coverage for expenses related to your recovery, such as transportation to and from medical appointments.

How PIP Coverage Works

If you have PIP coverage, it will typically pay for medical expenses and lost wages up to the limit of your policy. In Wisconsin, PIP coverage is optional, so you will need to purchase it separately from your liability insurance if you want this type of coverage.

PIP Coverage Limits

When you purchase PIP coverage, you will need to choose a coverage limit. This is the maximum amount that your insurance company will pay for medical expenses and lost wages if you or someone else covered by your policy is injured in a car accident. Typical coverage limits range from $10,000 to $50,000.

PIP vs. Medical Payments Coverage

Another type of coverage that may be available to you is medical payments coverage, which pays for medical expenses if you or someone else covered by your policy is injured in a car accident. However, unlike PIP coverage, medical payments coverage does not cover lost wages or other expenses related to your recovery.

Which Coverage is Right for You?

Deciding whether to purchase PIP or medical payments coverage will depend on your individual needs and circumstances. If you are concerned about covering lost wages if you are unable to work due to your injuries, PIP coverage may be a better option. However, if you have good health insurance that covers most of your medical expenses, you may only need medical payments coverage.

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Conclusion

While PIP coverage is not required by law in Wisconsin, it can be a valuable addition to your auto insurance policy. If you are concerned about covering medical expenses and lost wages if you or someone else covered by your policy is injured in a car accident, consider purchasing PIP coverage. Be sure to compare coverage options and limits from different insurance companies to find the policy that best meets your needs and budget.

Frequently Asked Questions

What is Personal Injury Protection (PIP)?

Personal Injury Protection or PIP is a type of car insurance that covers medical expenses and lost wages in case of an accident, regardless of who was at fault. PIP coverage is usually mandatory in no-fault states like Wisconsin.

In Wisconsin, PIP coverage is optional. However, if you choose to purchase it, you must have a minimum of $10,000 in coverage.

What does PIP insurance cover?

PIP insurance covers medical expenses, lost wages, and other related expenses in case of an accident. It may also cover funeral expenses and other costs depending on the policy.

Medical expenses include hospital bills, doctor’s fees, and rehabilitation costs. Lost wages cover income lost due to injuries sustained in the accident. Other related expenses may include transportation costs and household services.

How does PIP insurance differ from liability insurance?

Liability insurance covers damages and injuries that you may cause to another person in an accident. PIP insurance, on the other hand, covers your own medical expenses and lost wages, regardless of who was at fault.

In Wisconsin, liability insurance is mandatory, while PIP insurance is optional. However, if you choose to purchase PIP insurance, you must also have liability insurance.

Who is eligible for PIP insurance in Wisconsin?

Anyone who owns and operates a vehicle in Wisconsin is eligible for PIP insurance. However, it is important to note that PIP insurance is optional in Wisconsin.

If you choose to purchase PIP insurance, you must have a minimum of $10,000 in coverage. You may also choose to increase your coverage if you wish.

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What happens if I don’t have PIP insurance in Wisconsin?

In Wisconsin, PIP insurance is optional. However, if you choose not to purchase it, you may be responsible for paying your own medical expenses and lost wages if you are injured in an accident.

If you are at fault for the accident, liability insurance may cover damages and injuries to the other party, but it will not cover your own medical expenses and lost wages. Therefore, it is recommended that you consider purchasing PIP insurance to protect yourself and your finances in case of an accident.

What is Personal Injury Protection (PIP)?


In conclusion, personal injury protection (PIP) is required in Wisconsin. This coverage provides essential benefits for injured individuals, such as medical expenses, lost wages, and funeral costs. While it may increase insurance premiums, the benefits of PIP far outweigh the costs.

It is important to note that PIP is not a substitute for health insurance. It only covers specific expenses related to injuries sustained in a car accident. Therefore, it is recommended to have both PIP and health insurance to ensure comprehensive coverage.

Overall, PIP is a crucial aspect of car insurance in Wisconsin. It provides necessary financial support for individuals who have been injured in car accidents, ensuring they have access to medical care and other important benefits. By understanding the importance of PIP, drivers can make informed decisions about their car insurance policies and better protect themselves on the road.

Reginald GrayFounder and Chief Editor at - PersonalInjuryJustice

Reginald Gray is the visionary force behind PersonalInjuryJustice. A seasoned lawyer with over two decades of experience in personal injury law, Reginald's profound understanding of the legal landscape and his deep empathy for victims inspired the creation of PersonalInjuryJustice. His only mission is to ensure victims have easy access to comprehensive, authentic information to assist them in their fight for justice. As Chief Editor, he rigorously ensures our content's accuracy, reliability, and pertinence.

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