These are simply the minimal insurance mandated by the legal guidelines of the State of California. Here are a number of the different types of insurance coverage that must be purchased. This coverage is critically necessary for all circumstances, even if you had been not at fault for the crash. Motor vehicle homeowners and operators in Ohio are not required to acquire PIP insurance coverage. However, if you’re concerned in an accident in one other state the place PIP insurance applies, you may be eligible for this coverage. Nearby states Michigan, Pennsylvania, Kentucky and New York have PIP coverage.