Final answer:
In most U.S. states, the minimum required insurance in addition to personal injury protection is liability insurance, which covers costs for damage and injury caused by the insured in an accident.
Step-by-step explanation:
When operating a vehicle in most U.S. states, the minimum insurance required in addition to personal injury protection (PIP) is liability insurance. Liability insurance is essential as it covers the costs associated with damage and injury you may cause to others if you are at fault in an accident. This can include medical expenses, property damage, and legal defense if you are sued as a result of the accident. While there are other types of insurance coverage such as collision, comprehensive, and uninsured motorist coverage, liability insurance is generally the basic legal requirement.