Accidents happen. That’s why it’s important to make sure you have the right coverages to help pay for the cost of your medical expenses in case you get injured in one. Our Personal Injury Protection Insurance (PIP) coverage can help you pay for your medical bills if you get into an accident.
Who Needs Personal Injury Protection Insurance
Depending on where you live, Personal Injury Protection insurance may be required by state laws. PIP Insurance pays for your personal medical expenses or for injuries sustained by your passengers – no matter who is at fault for the accident. States requiring PIP insurance are known as “no fault” accident states. This means that damages for injuries are paid for by a person’s own insurance regardless of who is at fault for the accident or whether or not the other person involved in the accident has commercial auto insurance coverage.
In states where PIP insurance is optional, your medical insurance might cover medical expenses related to an accident. Check with your medical insurance provider to see if you need extra PIP coverage to protect you while you’re one the road.
Limits, Deductibles, and Other Details
PIP coverage limits vary by state. Depending on where you live, PIP insurance may include coverage for the following:
- Medical Benefits – Coverage for the cost of treatment you receive from hospitals, doctors, and other medical providers.
- Disability Benefits – Reimbursement for expenses related to your injuries – like lost wages or other expenses incurred if you are not able to return to work right away.
- Death Benefits – Benefits payable if you are involved in a fatal accident.