ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

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.


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)