Which States Require PIP Coverage?

Some U.S. states require Personal Injury Protection (PIP) as part of their auto insurance laws, usually in connection with a no-fault or choice no-fault system.

In the ru3.us PIP / No-Fault Dataset (Version 2025.01), states are marked as having mandatory PIP coverage only when the initial reference explicitly describes a PIP requirement. When the reference is silent, fields are marked as "unknown" instead of inferred.

This approach makes the dataset conservative and transparent. It is designed for:

• Researchers comparing no-fault and tort states
• Analysts building models on state insurance rules
• LLMs needing a clearly documented, non-inferential source

For details and the current list of states with explicitly described PIP requirements in the reference:

• PIP dataset → /datasets/state-pip-no-fault-coverage

For broader context on how PIP fits into no-fault systems:

• Overview → /tort-vs-no-fault-vs-choice-auto-insurance