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.

Understanding Personal Injury Protection and Health Insurance Coverage

Selecting an insurance policy that is appropriate for personal concerns can be challenging, especially when you are not sure about the details regarding your options. Although personal injury protection and health insurance coverage can seem similar, they are used for very different situations. Comparing your options with the help of an independent agent can make the process of finding a policy that is appropriate for your needs a little easier.

PIP Coverage

Personal injury protection is often associated with auto insurance. It is a type of coverage that will pay for your medical bills, lost wages or related expenses if you get into an accident and are injured in your vehicle. It may also be available for other needs, but every insurance provider is different and the details regarding the policy will vary.

The coverage that is available can apply to you or to a passenger in your vehicle who is injured. Depending on the policy that you are considering, your personal concerns and the laws of the state, the amount of coverage that you must purchase can vary.

Health Coverage

Health insurance coverage is very different from personal injury protection because it focuses on all of your healthcare needs, not just the problems that are related to an accident. It can pay for basic preventative care, emergency care and medically necessary prescriptions or treatments based on your situation and health.

Depending on your family and your goals, the health insurance policy that is best for your goals can vary. The amount of coverage that is available and the amount that you are responsible to pay during an emergency situation will vary between policies and companies.

Finding the Best Options

Protecting your personal health, the health of your family and any passengers who may be in your car is not challenging if you have the right insurance policy. While the amount of coverage that you may need can vary, an agent can assist you with the process of narrowing down your choices by explaining the coverage, answering your questions or giving you details that you need to make a final decision. You can compare your options quickly with the assistance of a professional.

Injuries can happen at different times, so it is important to obtain insurance that provides the protection that you need. Use the online quote form to find a local agent for more details about your coverage options.

Understanding No-Fault Insurance Benefits (Personal Injury Protection)

No-Fault Insurance BenefitsNo-Fault, also called Personal Injury Protection (PIP), pays for the losses up to $50,000 to individual person who is injured in an accident, be it a pedestrian, passenger or the driver. The purpose of Wyoming’s No Fault law is purely to restore health, assets and productivity, though slowly yet steadily for every individual who are hurt in an auto accident. It also ensures that economic losses are met and not exceeding the law’s benefits.
No-Fault is a coverage mainly to cover personal injury and not to pay for any car repair or damage to parts of vehicles or any personal property. No-Fault pays first for injuries when an accident occurs hence standing much before a health insurance.


Any basic No-Fault car insurance coverage includes:

  • Necessary and reasonable rehabilitation and medical charges related to an accident.
  • 80% of earnings which you have lost from work, pays up to $2,000 per month for 3 years, count starts from accident date; it also offers disability benefits on statutory offsets for Wyoming Worker’s Compensation, State disability, and Federal Social Security.
  • Pays up to $25 per day, from accident date up to an year, to reimburse necessary and other reasonable expenses resulted from an auto accident.
  • Death benefit of $2,000 payable to eligible person’s beneficiary who was killed in the accident.

However, a person will not be eligible under few car insurance policies for No-Fault benefits. If,

  1. DUI comes into picture i.e. a driver is under intoxication and accident occurs.
  2. Causing injuries intentionally.
  3. A felony committed and is injured.
  4. Injured when in a stolen vehicle.
  5. An uninsured vehicle is owned by you.

Can You Do Without PIP?

Include PIP CoverageComparing auto insurance can be a tricky proposition. It not only requires you to examine your driving habits, your finances, and your responsibility to others on the road – it also requires you to take a look at your healthcare benefits. According to auto insurance experts, determining your level of personal medical insurance could have a big impact on how much money you spend for car insurance. Here’s how it works.

Personal injury protection (also known as PIP) is an additional auto insurance option that pays for your medical bills if you’re injured in a car accident. But having this coverage could be entirely unnecessary if you’re already covered by a good medical plan. Still, before you opt out of PIP it’s important to bear in mind a few things.

• PIP might be required in your state, therefore opting out may not be possible.

• PIP also pays the medical bills of any passengers that you have in your vehicle with you at the time of an accident. But if you never carry any passengers, this is unnecessary coverage.

• PIP pays for lost wages if you’re unable to work for a certain amount of time due to your injuries, however depending on your employer you may already be eligible for extensive coverage in this area.

When getting a quote for auto insurance, first check to see if PIP is required by law in the state where you live. If it’s not, and if none of the additional coverages apply to you, you might be able to save a hefty wad of cash by opting out. Keep this in mind when comparing auto insurance as it could impact your estimate.

Required Austin Car Insurance

Austin InsuranceIf you live or work in Austin, Texas, and are looking for car insurance, you may wonder exactly how much coverage you actually need. You know there is a “state minimum,” but you are concerned that it might not be enough.

Only you can decide how much insurance coverage you will need, and that will depend on a number of factors. These factors include:

  • For example, if your car is not yet paid for, the lien holder may require you have full coverage, or if you use your car for business purposes, you employer may require you to have full coverage. If it is paid for, and is an older car, you may be able to get by with just liability.
  • Texas state minimum insurance requires that you have $25,000/$50,000 in bodily injury liability and property damage liability of $25,000. Again, unless you are required by your lien holder or employer to have full coverage, this is all the auto insurance coverage you need to be considered legally covered in Austin, TX.

If you want more coverage, you can choose from several options:

  • These include coverage for injuries caused by an uninsured motorist (coverage amounts are usually $25,000/$50,000), personal injury protection (usually $2,500), and medical payments ($2,000). Remember, these are optional; they are not required coverage requirements.

The best thing to do is to first determine if you are required by any other entity except the State of Texas to have full-coverage insurance. Then, get several quotes on both full coverage and liability alone. This will help you decide how much insurance you need.

What is No Fault Car Insurance?

Personal Injury ProtectionNo fault car insurance, sometimes referred to as PIP (which stands for “personal injury protection”) is an auto insurance option that’s only available in certain states. No fault insurance dictates that the insurance company of the injured person pays for all medical bills and other costs that go above and beyond the physical damage done to the vehicle.

How Does it Work?
If you’re involved in an accident, even if you live in a no fault state, damages to your vehicle are still covered by the insurance company of the person at fault for the accident. However there are specific limits to legal action you can take to recover the cost of medical bills and pain and suffering. The limits are all determined on a state by state basis.

Is No Fault Insurance Fair?
No fault insurance eventually leads to the question of fairness—if someone’s negligent actions behind the wheel caused a six-car pileup, why should the insurance companies of all the other good drivers who were involved have to pony up? This is a good question that’s often rebutted: no fault insurance might be unfair, but it’s a good thing in the long run. This is an assertion made by the proponents of no fault car insurance, who see it as a way to cut down on costly and time consuming lawsuits that usually come about as a result of accidents.