Accidents and injuries are quite unfortunate and unexpected.
That makes it more compulsory for us to insure oneself for such mishaps.
Personal injury protection is an insurance that is apt in such cases. It does
not focus on the person who is at fault but the damage done.
A person can insure against serious injuries and damage to
the car with an auto insurance policy. Under this, the person will receive a
sum assured. Many a time this sum may not be sufficient to recover from losses.
Moreover, the insurance company adjusts your policy and pays you. This leaves
us with deficient funds for repairs of the car and medical bills.
Personal injury
protection
You can file an accident injury
claim using any of these: bodily injury liability, personal injury protection
(PIP), and medical payment. Auto insurance for personal injury protection
is the right pick of the options mentioned above.
Salient
Features
- PIP provides for your medical bills within a particular limit
- It even covers recuperating expenses.
- It aids collateral repercussions that include loss of income and home aid.
- It also functions partially as a health insurance for the injured irrespective of whether the person holds a health insurance or not.
- A person who may be the cause of the accident is not liable for the injuries of the other, under PIP holder.
- Each injured party involved in the accident is guaranteed a maximum coverage under this policy.
What it Covers
It pays a per-injured person benefit, the insurer, and the
specified members of the policy. The policy pays the insurer irrespective of
his fault in the accident. This means he being the first party insurance holder
has the benefit of claim even if the accident is caused due to his fault.
It includes various medical expenses such as nursing,
hospital, surgical, dental, ambulance and x-ray charges. PIP may also provide
for medication both long term and short term and even prosthetic devices.
If a person is disabled or sustains some injuries that throw
his daily routine out of gear, he can receive benefits for household help or
other chores and tasks. Loss of income is also covered under this policy.
Funeral expenses are also borne by the insurer. In some
cases, the heir of the person who died due to severe injuries also may be benefited.
Caution
PIP coverage limits vary from state to state and need to be
studied thoroughly.
