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How You Can Keep Yourself Safe with Personal Injury Insurance

Updated on August 7, 2012

When it comes to car insurance, there are many terms and types of policies out there. In fact, there are so many options it can becoming confusing and turn into a headache when searching for car insurance. One coverage that needs to be considered is personal injury protection or PIP. This type of insurance may not be mandatory, but most states require their drivers to have some form of personal injury coverage on their car insurance plan.

What is Personal Injury Insurance?

A car accident can happen at any time and in any place. This being said, if someone is injured during the car accident, a personal injury protection policy will cover all of the medical bills and other costs that are associated with the injury. Depending on the type of coverage that you choose, the personal injury policy may also cover things such as lost wages that are incurred because of the accident and any other damages that come from the accident.

One of the benefits of personal injury plans is that they are “no-fault” plans. This means that the policy will cover both injured parties no matter who is found at fault for the cause of the accident. Anyone that is in one of the vehicles at the time of the accident will be covered through a personal injury protection plan.

Will my Health Insurance Cover me If I am in an Accident?

You may think that you do not need a personal injury insurance policy through your auto insurance because your health insurance will pay for any medical services that you should need. While your health insurance may pay for your medical needs, it will not pay for the medical needs of anyone that was in your vehicle at the time of the accident. In addition, if an accident is found to be your fault and the person you were involved in the accident with is injured, your health insurance will not pay their medical bills either. This means that you will be stuck footing the bill for all of the injuries caused by the accident. With the high cost of medical services in this country, it is likely that you will not be able to afford to pay for this, which is one of the main reasons most states require personal injury protection.

Additionally, health insurance companies are always looking for ways to not have to pay your medical bills. Injuries from automobile accidents may not be covered by your current health insurance policy. It is important to check your health insurance coverage to make sure that you are indeed covered should you ever become injured due to a car accident.

Personal Injury Insurance Limitations

The limitations of a personal injury protection plan can start as low as $1500 up to $250,000. This depends on the state requirements, the type of injury that is sustained, and how much coverage is chosen. It is important to check your policy to make sure that enough coverage is in place to cover a serious injury because of an accident.

There are certain injuries that will not be covered by a personal insurance policy. These include injuries that are related to off road or recreational vehicles. Additionally, motorcycles, mopeds, and motorbikes may require a specialized personal injury insurance plan. Accidents that involve farm equipment are not typically covered by a personal injury protection plan either.

When it comes to insurance it is always better to be safe than sorry. Personal injury protection offers a way to keep yourself safe should you be involved in an accident where an injury occurs. These policies are typically not much to add on and should always be considered in your basic car insurance plans.

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