PLOhioeasy
Which statement accurately describes Personal Injury Protection (PIP) coverage in Ohio?
Ohio is an at-fault tort state with no statutory PIP/no-fault coverage; medical payments coverage is optional
BPIP is mandatory at $10,000 per person
CPIP is mandatory at $50,000 per person
DPIP must be offered with every auto policy issued in Ohio and can only be rejected by the insured in a signed writing
Why this is the answer
Unlike no-fault states, Ohio operates under a pure tort liability system for auto claims. There is no statutory PIP coverage in R.C. 4509 or 3937. Insureds may purchase optional Medical Payments coverage, but carriers are not required to offer or document rejection of PIP because the coverage simply does not exist in Ohio.
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