Personal Injury Protection (PIP) Claims After an Auto Accident

After an auto accident, individuals with Personal Injury Protection, also known as PIP coverage, are able to file an insurance claim with their carrier. Though every policy is different from the next, understanding this type of insurance claim process, and what it means to you, is very important.

Understanding PIP Service

Personal injury protection is a type of no fault coverage. This means that, no matter who is at fault for the accident, the policy holder is likely to receive at least some coverage for medical expenses for their needs as well as for anyone in the vehicle with them at the time of the accident. In addition to these coverage, PIP insurance often provides coverage for funeral costs or rehabilitation costs of that individual. This is significantly different from traditional auto liability insurance. With liability coverage, the insurance company covers the driver responsible for the accident, up to the policy’s limits.

There are benefits of PIP coverage. One of the most important benefits is that there is no lag time in obtaining coverage. Under liability coverage, the policy payouts often have to wait until insurance companies can determine blame in the incident. If the incident is a covered one, then there is no need to wait for blame to be assigned. This leads to faster policy payouts. Additionally, it is different from medical payments because medical payments does not cover wages that are lost or rehabilitation services.

Consider Making the Switch

Individuals who do not have PIP insurance can often obtain it. It is often ideal for individuals to compare coverage from several insurance companies prior to making the decision to switch. By using our tool, it is possible to compare policies from various insurance carriers until the ideal choice is found. This is an excellent way to find the PIP coverage you need while ensuring you are getting the best rate for the coverage.

If you need to file a claim for PIP insurance, you’ll need to work through your agency to do so. Generally, you will not have to wait for any blame to be assigned, but there is the need to ensure that the incident is covered under the policy’s limits and terms. If you do not have this coverage, or you only have medical coverage, compare quotes online and talk to a local insurance agent today to discuss the most affordable options available to you.

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