What are the benefits of Personal Injury Protection?

PIP, or personal injury protection, includes a “no-fault” coverage and is needed within some states. “No-fault” will mean that irrespective of which motorist was at fault, a few of the medical costs for a policyholder and other ones in the policyholder’s vehicle might be covered by insurance.

Personal Injury Protection coverage may include lost wages, medical costs

PIP might pay for as much as 80 percent of medical and additional costs which result from covered accidents, depending upon the limitations of a policy. It might involve medical treatment of the injuries experienced by you, as well as your passengers and any medical expenses you may incur if injured as a passenger inside another vehicle or as a pedestrian. PIP insurance also might cover:

Service replacement of somebody injured within a covered vehicle accident

  • Rehabilitation expenses
  • Funeral expenses

PIP benefits

After the initial shock of an auto accident, one frustrating issue may be the time it’ll take for insurance providers to make payments, determine blame, and, if needed, file a lawsuit. With personal injury protection coverage, no blame must be assessed. If it’s a covered incident, lost income or medical payments are made as soon they can be, and you only deal with the insurance provider.

How PIP differs from medical payment coverage

PIP insurance is like medical payments coverage; however, with one critical difference. Medical payments coverage will pay the medical expenses for your passengers and you in case of a covered car accident, irrespective of who is at fault.

Unlike personal injury protection, medical payments coverage does not cover other costs like rehabilitation services, lost wages, funeral services and costs, like childcare, which you might not have the ability to perform because of injuries from a covered incident.

For more information contact Fisk & Monteleone Ltd. Law Firm at 815-315-0576.

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