Personal Injury Protection

Personal Injury Protection, also known as PIP coverage, for a required additional cost offers bodily injury coverage among other things for drivers. The no fault auto insurance states require drivers to carry Personal Injury Protection. PIP is a first party benefit, meaning it covers expenses regardless of fault.

Personal Injury Protection Explained

What exactly will Personal Injury Protection pay for after an accident? This coverage offers to pay expenses up to a specified limit, usually around $10,000. The PIP insurance covers expenses for the driver’s injuries, blood family members, and all passengers in the vehicle. Additionally, it can pay for expenses for funeral, loss of wages (usually up to a certain amount weekly), and service loss expense. The average Personal Injury Protection claim pays for 80% of any medical expense for all involved in an accident, even if those involved were at fault.

Health Insurance and Personal Injury Protection

At times, there may be an overlap of coverage from your health insurance and your Personal Injury Protection. Some drivers find that their PIP wage loss or service loss reimbursement can be removed from the policy since it is already covered under their health insurance plan. The typical Personal Injury Protection coverage can protect individuals who do not have adequate or any medical insurance coverage.

Limitations of Personal Injury Protection

There are things that Personal Injury Protection does not cover. First, it does not cover injuries caused by farm equipment, recreational vehicles, or motorbikes. Also, it will not pay if as person injures themselves intentionally or if they were involved in a felony at the time of an accident.

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