When you are setting up your car insurance, there is a wide range of coverage options that are available to you. One of those is personal injury protection, often referred to as PIP, which is required coverage in some states and optional coverage in other states. PIP protection is designed to cover any medical expenses for the person who has the policy and their passengers, regardless of who is deemed responsible for the accident.
When you get into an accident, there is a good chance that you or one of your passengers may suffer some injuries that will require medical attention. Your PIP coverage is designed to cover the medical bills of both the policyholder and any of your passengers who were in the vehicle with you when you were involved in an accident.
It is important to note that PIP coverage generally comes with caps. Generally, there is a cap per person and per accident with PIP coverage. It is a good idea to review how much PIP coverage you have and make sure it is enough to cover severe medical costs if you were to get into an accident.
Next, most PIP insurance also covers lost wages. So if you or a passenger is injured and has to miss out on work time due to that injury, your lost wages can be recovered through your PIP insurance. There may be a separate limit on wages from medical bills with most PIP policies.
When you are injured in an accident, you may not be able to take care of the everyday tasks that are your responsibility, and you may need to get assistance with these tasks. For example, perhaps you have pets and can't take them for a walk anymore, and you need to hire someone to walk your pets twice a day. Or maybe you cannot mow your yard, and you need to hire someone to do so. Or maybe you have to hire someone to drive you around, as you can't with a broken leg.
If you need to hire people to help with everyday tasks you are responsible for, you can get reimbursed for those costs with PIP insurance.
Finally, if the policyholder or a passenger dies due to the accident, the PIP policy will cover the cost of a funeral. Make sure that the coverage limit for a funeral is actually enough to cover the cost of a burial in your area.
Personal injury protection covers many vital needs for you and your passengers if you end up injured in an accident. It is essential not just to have this coverage but also to check and see your coverage limits so your needs are addressed. With PIP coverage, you don't have to pay a deductible, and it doesn't matter who is at fault in the accident; the insurance will still kick in. Reach out to a car insurance agent to learn more.