Personal Injury Protection: Benefits of Having PIP Coverage
PIP stands for Personal Injury Protection, which is a required coverage in the following states: Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas and Utah. PIP extends car insurance coverage to include medical expenses and other damages.
Even if it’s not required PIP is a wise investment for many drivers. Not only will PIP cover medical expenses, it will cover work loss for you and your passengers, regardless of who is at fault. Liability insurance would not cover you in a situation that requires medical attention or paid time off.
If you are in an accident and have PIP your family members, passengers and anyone else driving your car with permission are usually covered. With PIP coverage, you may be covered for having to hire work due to injuries (babysitter, cleaning help, etc.). It would also cover final expenses.
You’re also covered by PIP if you’re injured as a passenger in someone else’s car or if you’re hit as a pedestrian or cyclist. This coverage will also pay for rehabilitation if your injuries require it. Usually, limits are sufficient in these instances, but if they are not you are able to sue the at-fault party if you were not at fault. If you were at fault, you’re still covered by PIP.
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