Do you need additional insurance above what is required by law in your state? Auto insurance often covers liability, collision, and personal injury protection. Liability covers you if you are at fault, you pay for repairs to the other person’s property and cover medical bills. Collision coverage is where your insurance will cover repairing your vehicle if you are at fault, minus any destructible. And personal injury protection is something that every motorist should consider when determining how much insurance you actually need.
What Is Personal Injury Protection?
Personal injury protection, often abbreviated PIP, is a type of insurance that will pay for your injuries, regardless of whether or not you are at fault. While you may have health insurance, sometimes health insurance doesn’t cover everything and personal injury protection coverage can help pay for those things.
For example, if you have a high deductible on your health insurance, or if you require in-home care or special physical therapy, your health insurance may not cover certain procedures or may cover them only after the high deductible is met. Most health insurance does not cover lost wages or funeral expenses. These are some areas where personal injury protection may be able to help.
Personal injury protection may pay for things such as lost wages due to the accident, hospital bills, physical therapy, in-home care, rehab, prescriptions, doctors’ bills, and can even pay for funeral expenses.
Sometimes called “no-fault insurance,” where it is available may depend on whether your state is considered a no-fault insurance state.
Personal Injury Protection Can Cover More Than Just You
But personal injury protection can cover more than just your injuries when you are driving your car. Personal injury protection can extend to your passengers. It can also cover you if you are riding in someone else’s car or if you are walking or riding your bicycle and get hit by a car.
When you combine personal injury protection with uninsured motorist protection, you’re more likely to be covered if someone else doesn’t have insurance and causes an accident.
Having personal injury protection makes a lot of sense. Talk with an independent insurance agent about personal injury protection and how it works in your particular state.