© 2026, Goosehead Insurance Agency, LLC. All rights reserved. Goosehead is a full service property and casualty insurance agency. Coverages may not be available in all states or for all insurance companies. The description of coverage is for informational purposes only. Actual coverages will vary based on local laws, product availability, and the terms of the policy issued. Click here to see a list of our corporate office license numbers.
Disclaimer: This information is not intended as an offer to sell, or the solicitation of an offer to buy, a franchise. It is for informational purposes only. We will not offer you a franchise unless we have complied with applicable pre-sale registration and disclosure documents in your state. Currently, the following states regulate the offer and sale of franchises: California, Hawaii, Illinois, Indiana, Maryland, Michigan, Minnesota, New York, North Dakota, Rhode Island, South Dakota, Virginia, Washington, and Wisconsin. Within the U.S.A., we offer franchises solely by means of our Franchise Disclosure Document (FDD). There are also countries outside the U.S.A. that have laws governing the offer and sale of franchises. If you are a resident of one of these states or countries, we will not offer you a franchise unless and until we have complied with pre-sale registration and disclosure requirements that apply in your jurisdiction.
New Client: 833-779-4090
Goosehead finds the best coverage and cost options to fit your needs.
A declarations page, also sometimes referred to as a “dec page,” is a page from your insurance policy that sums up your policy coverage.
Some states have no-fault insurance, designed to cover only your property and medical care in the event of an accident. They require Personal Injury Protection (PIP) coverage for medical care for drivers and their passengers in the event of an accident.
Some states have no-fault insurance laws, which means insurance policies are designed to cover your property and medical care instead of protecting the other driver in the event of an accident. People who live in no-fault states are required to carry Personal Injury Protection (PIP) coverage, which provides coverage for medical care for yourself and your passengers if you are in an accident.
Some states have laws that require people to purchase PIP coverage, including:
The amount of coverage required varies from state to state, but all no-fault states require this coverage to help reduce the number of lawsuits that are filed over car accidents each year.
PIP insurance covers medical expenses, funeral expenses, and lost income. In some cases it may also cover child care expenses and household services as well. PIP is only for medical care, so it does not cover property damage of any kind. It is important to remember that PIP is designed for you and your passengers, so it doesn’t cover anyone who wasn’t in your car at the time of your accident.
MedPay is additional coverage for medical expenses if you are in an accident, like PIP, but there are a few differences between the two policies, including:
Bodily injury coverage is a type of liability insurance, which means it covers the other person’s medical costs if you are in an at-fault accident. Most states require that you carry bodily injury liability coverage.
PIP covers your medical bills if you are in an accident, no matter who is responsible for your injuries. PIP coverage is only required in no-fault states and is designed to give you some level of coverage without needing to take the other driver to court in the event of an accident.
Uninsured motorist coverage is designed to cover your medical costs if you are hit by someone who is uninsured or underinsured. Uninsured motorist coverage can be broken into two parts, bodily injury and property damage, so if you elect both types of coverage you may also be covered for property damage caused by another driver.
PIP coverage is for medical expenses and costs associated with injuries you sustained during an accident, no matter who was at fault. PIP is not limited to being used only when you are hit by an uninsured driver, it can be used in any situation where you have been in a car accident. PIP does not cover property damage.
PIP costs are determined by a number of factors, including the laws in your state and how much coverage you are purchasing. Reaching out to our experts here at Goosehead Insurance is an excellent way to make sure you are choosing the right amount of PIP coverage for your needs.
If you live in a state where PIP coverage is required by law, you will have to purchase coverage whether or not you think you need it. If you live in a state where PIP is sold as an extra coverage you may still need to purchase it, even if you have health insurance or Medicare.
Federal law prevents drivers from coordinating their No-Fault PIP medical benefits coverage with Medicare. This is prohibited by the “Medicare Secondary Payer” law, which states that Medicare will not cover injuries sustained in a car accident when payment is expected through a no-fault insurance policy. Given the complexity of the laws involved with these types of coverage, it is a good idea to reach out to an insurance expert for more information.
The contents of this article are meant as general information to help you understand personal lines insurance and not specific to a particular policy. Policies, coverages and discounts can vary by state and insurance carrier. To understand your coverage, you should speak directly with a licensed insurance agent or read your full policy contract. Call your agent or contact us at (833) 779-4090.
Summer is here, and while it's the season for road trips and beach outings, it's also a time when certain misconceptions about driving can lead to unnecessary risks. To help you stay safe and informed, we've collaborated with insurance experts to debunk five common myths about summer driving. Myth 1: Cars Don't Overheat in Summer Anymore.