Personal Injury Protection: What It Does and Does Not Cover for Vehicle Insurance

The insurance policy with coverage of personal injury protection in a separate part of coverage that a driver usually must purchase in addition to other usual car insurance. This protection provides maximum health benefits to the policyholder when he or she is not at fault for the collision, and it could ensure the recovery of the injured party.

Personal injury protection plans are an option when choosing coverage for a vehicle policy. It is an extra piece of comprehensive coverage that increases the monthly premiums that the policyholder will pay. However, while some coverage only pays out when the other party is responsible, the PIP insurance may assist the victim of the accident when injured no matter who is at fault. The policy works to restore the person to health and may pay for a number of damages depending on what is necessary after the accident. It is important to contact a lawyer if the insurance company denies the claim to determine if there is any possible way to receive the settlement.

PIP Damages

Depending on the policy itself, the policyholder may receive monetary support for medical expenses and treatment. This could cover the current and future bills the person will receive. Lost wages from work the person cannot perform are available up to a certain percentage of the average work completed each week. The PIP policy may also provide help with transportation for qualified and valid trips to a healthcare professional. Other items may depend on the amount of PIP coverage, but they could give the person compensation for items the person cannot compete while in recovery.

Included Coverage

While the policy may change depending on the state, PIP generally does not apply to property damage. It does cover medical costs, treatment, therapy and recovery time. Lost income during the lack of work is available, but the property involved in the collisions is generally an item covered through other policies or coverage packages. Some items may also include daycare, household services the person cannot perform while recovering from injuries and similar issues. If the person has no one else to provide assistance, the PIP may kick in for specific household matters. Comprehensive packages for various other items have specific policy details available through specific purchase.

Mandatory PIP Coverage

The individual policyholder of car insurance must acquire personal injury protection from his or her carrier in thirteen different states or areas of the country. These include the District of Columbia, Kansas, Hawaii, Florida, Massachusetts, Kentucky, Minnesota, New Jersey, North Dakota, Michigan, New York, Pennsylvania and Utah. The insurance carrier may explain this to the policyholder. However, if the person uses an insurance company that does not require him or her to buy the PIP coverage, it could also become liable in accidents where the person will need the insurance help. This could lead to a valid claim when the driver is unaware of the obligatory coverage needed.

Variations to PIP Coverage

Different states may provide varying forms of coverage based on the terms of the policy and the state that requires the PIP. What is reasonable and customary in one location is often not the same in another. Some areas of the country provide a certain type of treatment under the PIP such as acupuncture while another finds the procedure inappropriate for PIP coverage. While this part of the policy for accidents will compensate the injured for medical bills and out-of-pocket payments for treatment, it may even extend to lost income as a direct result of the traffic incident.

Coverage in the thirteen states is compulsory to help prevent additional lawsuits against the at-fault drivers. This frees up time and energy in the court system for many collisions. However, the option to file a lawsuit for these matters is still open to refrain from infringing upon the right to sue. Coverage is optional in the other 38 states in the country, but it does provide more comprehensive monetary support after an accident. By removing blame, any injured party is able to recover and become whole after an incident in traffic or on the road.

Legal Assistance with PIP Issues

Some complications may arise through the use of PIP coverage. Additionally, some insurance carriers refuse to pay the victim for injuries or other matters related to the accident. In these situations, it is important to hire a lawyer to provide assistance through the process and to increase the likelihood of receiving the necessary compensation.

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Disclaimer: While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with an expert and/or lawyer.

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