Does Tennessee Have PIP Coverage?
No we do not have personal injury protection insurance coverage in Tennessee. Personal injury protection or PIP coverage, exists in states like Kentucky that have no fault insurance in automobile wrecks.
PIP coverage is really important to people who live in Kentucky because they can recover certain of their medical bills and certain of their loss wages regardless of who is at fault in the wreck.
But that is not true for people who live in Tennessee and have their vehicles insured in Tennessee.
In Tennessee you can recover your medical bills and your loss of income only if you can prove that the other driver was at fault in causing a wreck.
There is one exception to that rule. Many automobile insurance policies in Tennessee have what is known as medical payments coverage.
The medical payments coverage of your liability insurance policy pays your medical bills regardless of who is at fault in the wreck up to the limits of that insurance coverage. It is not uncommon for these insurance provisions to have medical payments coverage for $50,00 or $10,000.
So if you are a Tennessean and are involved in a wreck in Tennessee, you should first turn in your medical bills to your health insurance company or if you have Medicare or TennCare, turn those bills into Medicare or TennCare.
And then to the extent that you have deductibles or co-pays, use your automobile insurance medical payments coverage to meet those financial obligations to your healthcare providers.
Unfortunately at this time in Tennessee we do not have PIP coverage and therefore you will have to look to your own medical payments coverage or your health insurance coverage to pay your medical bills.