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Auto Insurance: Personal Injury Protection

Understanding Your Car Insurance Quote

At USInsuranceOnline.com, it's our job to make auto insurance as simple as possible. That's why we've created this short video to explain personal injury protection (P.I.P.) and how it covers you, your family members, or your passengers if you get into an accident. P.I.P. coverage varies by state, and it's not always required - read the information provided below or contact us to find out if you need personal injury protection as part of your car insurance quote.

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, but you'll have to check your car insurance quote for the exact amount. 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.

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.

Personal Injury Protection Quotes

Personal Injury Protection (PIP) is an optional policy clause available from some car and driver insurance providers that covers medical expenses and, in many cases, lost wages or damages due to an automobile accident.

PIP could be referred to as "no-fault" coverage on yoru auto insurance quote, because the statutes that require it are commonly called no-fault laws and PIP is coverage paid without regard to fault or legal liability. Additionally, insurance premiums from PIP coverage usually do not increase as a result of a PIP claim.

PIP coverage requirements and availability may vary from state to state, as well as policy details that include what type of damages or injuries are covered and what types of treatments are considered reasonable. For example, Utah accepts acupuncture as a permissible PIP medical treatment while California does not.

In some states PIP is subrogable, which means that your insurance agency may cover your loss, regardless of liability, and then recover (or subrogate) costs from the insurance carrier of the liable party. This produces significant financial motivation for individuals looking for cheap car insurance in states that offer PIP coverage to investigate it fully and consider it carefully.

PIP may provide coverage for, up to a predetermined limit, the medical or funeral expenses of the policy holder, others passengers in the vehicle who may have been injured, and other motorists or pedestrians injured by the vehicle.

Some states that do not allow PIP may instead offer Auto Medical Payments coverage, or AMP – and it’s possible in some locations to find both kinds of coverage in an auto insurance quotes. Like PIP, AMP provides coverage regardless of liability or legal liability.

AMP and PIP limits generally range from $1500 to $250,000, depending on the type of car or driver insurance policy, the driving history of the insured, the types of injuries claimed, and the home state of the issuing agency.

A Note on Third Party Carriers

Keep in mind that third party carriers are usually only pressed to pay damages in the event of a judgment or ruling against them in a court of law or similar setting. While such carriers may choose to pay in lieu of such findings, these are strictly voluntary payments on the part of a third party car insurance carrier, as are any settlements.

Anyone involved in an auto accident where third party car insurance carriers are involved would be wise to submit their own individual insurance forms to their medical providers, since third party car insurance carriers likewise are under no legal obligation to cover medical bills or similar damages.


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