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Personal Injury Protection

Updated on February 16, 2016

Personal Injury Protection

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Personal Injury Protection

Worldwide about twenty to fifty million people suffer from non-fatal motor vehicle accident injuries every year. Personal Injury Protection is an automobile insurance coverage that covers hospital and medical expenses due to what is considered a covered loss because of an accident. This type of protection also will provide coverage for anyone that is injured in your automobile.

Personal Injury Protection is a rider attached to an automobile insurance policy. In the United States, most states are required to have this protection on an insurance policy. The coverage pays for protection for medical expenses, maybe for lost earnings, emotional distress, childcare and any other costs that relate to an injury for bodily harm arising from an automobile accident.

What Is Personal Injury Protection?

Report The Occurrence

Regardless of whether you have been injured in an automobile accident, at a household or building, or while going to a business enterprise, if you have been injured as a consequence of a motor vehicle accident, a slip and fall incident, or other individuals neglectfulness, you have the right to obtain reimbursement. The amount of funds that is compensated differs from situation to situation.

You generally have to report the occurrence to the insurance company within 24 hours of the occurrence. If you are not at negligence for the accident, you need to make contact with the insurance coverage company of the organization, building owner, or at-fault motorist. You will likely be expected to present information and facts about the cause of the accident and the magnitude of your traumas and injuries.

Report The Occurance

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No Fault States

When you get into a motor vehicle accident which is brought on by another motorist, in all but 12 states you have the right to acquire your damages and loss from that motorist's insurance protection company for possibly minimal or significant injuries. In the remaining 12 "no fault" states, the regulations are different and you typically will have to collect your damages from your own Personal Injury Protection, except in cases where your injuries are severe enough to be described as conditions within the no-fault part of the law.

The 12 states that presently have or contain a no-fault motor vehicle insurance protection situation are

Florida,
Hawaii,
Kansas,
Kentucky,
Massachusetts,
Michigan,
Minnesota,
New Jersey,
New York,
North Dakota,
Pennsylvania,
Utah.

No Fault Personal Injury Protection

Seeking Assistance

The phrase no-fault motor vehicle insurance protection basically suggests no matter who is liable for the accident, your insurance protection company compensates for body personal injury claims. The motorists deal with their individual insurance protection companies in spite of who is at negligence. This permits motorists to promptly submit claims, get health care procedure and fix their motor vehicles instead of holding out for insurance companies to establish who is at negligence. It's also designed to minimize a huge amount of legal actions involving motorists.

One of the easiest types of no-fault Personal Injury Protection is called the pure no fault. With the pure no-fault protection, the motorist gives up the right to file a suit against the motorist that caused the accident. The medical bills would be paid for by their own insurance companies.

Under the Personal Injury Protection coverage based on the laws of that state special conditions may be considered for coverage. If you get hit by a motor vehicle while riding a bike or walking down the street, you can be covered for your injuries under the Personal Injury Protection policy. It is not always a good idea to take a chance on your motor vehicle personal injury insurance claim being paid. Seeking the assistance of a personal injury insurance attorney will help to get the benefits that are available under the insurance policies. Be sure to take and keep proper detailed information and documents of your injuries.

Filing An Insurance Claim

One of the major benefits for a Personal Injury Protection plan would be that if you have to file a claim for injuries, this will not in a negative or harmful way affect the premiums on your automobile insurance policies. Filing an insurance claim can sometimes result in an increase in your premiums. However, if you have to file a claim for a Personal Injury this will not cause your premiums to go up.

Most medical insurance plans will provide coverage for you or your dependents that are on your medical plan for any injuries or treatments that would be needed due to an automobile accident. With your medical insurance, you may have to pay a deductible but you will still be able to have coverage for your medical expenses. If you have a minimal medical coverage plan in addition to the Personal Injury Protection coverage this will keep you from having large medical bills to pay.

Personal Injury Protection

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Medical Insurance Policy

Even if you and your passenger's have enough medical coverage through a medical insurance policy, the additional funds from a Personal Injury Protection coverage can provide coverage for your lost wages and payment for housekeeping services if you are not able to take care of your home yourself.

Make certain that you are documenting everything about the accident. You should also take pictures of everything involved in the accident. In a car accident, make sure you take pictures of all of the cars involved, the street or intersection, and any traffic lights or signs.

As a final note, remember that the insurance companies will not be able to interpret accidental laws for you. The goals and intentions of the insurance companies are to pay the minimal amount they possibly have to pay to satisfy your claim. This is how the insurance companies are able to make a profit and stay in business.

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