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...

Full Bio →

Written by

UPDATED: Jul 6, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.