In which type of state is Personal Injury Protection coverage required?

Personal Injury Protection (PIP) coverage is required in strict no-fault states because these states are designed to minimize legal disputes over accidents by eliminating the fault-based system for minor injuries. In a strict no-fault system, insurance policyholders must carry PIP coverage to ensure that they can access medical benefits and wage loss compensation without needing to prove fault or seek reimbursement from the other party involved in an accident. This focus on providing immediate benefits and limiting legal claims results in the requirement for PIP coverage in such states.

In contrast, fault states, comparative fault states, and tort states allow for more traditional liability-based approaches to handling accidents, where determining who is at fault can lead to lengthy legal processes and potential litigation. As a result, these other types of states do not mandate PIP coverage because individuals can pursue claims against negligent parties for their injuries, rather than relying solely on their own insurance for immediate assistance following an accident.