There are many different types of insurance to protect you from personal injury. One of them is personal injury protection. PIP is an extension of your auto insurance. In the event of a car accident, you will cover any accident that occurs when you are involved in a car accident.
Personal injury protection will help with medical bills, lost wages from job loss, and other types of damages that may have occurred. PIP is a “no fault” type of insurance. This type of insurance means that no matter who is at fault in the car accident, PIP will cover the costs of your personal injuries no matter what. In the following states, PIP is required.
Hawaii
Kansas
Colorado
Florida
Michigan
Kentucky
Massachusetts
ยท New York
North Dakota
New Jersey
Pennsylvania
Utah
Puerto Rico
Minnesota
Texas
Oregon
The PIP is generally limited to the amount you want to buy. Therefore, the coverage you have could range from one thousand to two hundred and fifty thousand. But how much should you buy? Generally, if you do not have health insurance, it is advisable to buy a large quantity of PIP in case you are seriously injured in a car accident and want to cover medical expenses. Also, if you have frequent fliers, it would be wise to have PIP. Besides that, there are also different types of coverage within PIP. In some states, you have the option to choose from a variety of plans.
Complete Primary: It is the primary coverage in the event of a car accident. Which means that if you or your passengers are injured, this coverage will pay for funeral costs, medical expenses, and other services.
Full Health Primary – This coverage is in place if you already have existing health care coverage to cover costs related to a car accident. This will also cover funeral, medical and other costs.
Primary Physician Only – Covers only medical expenses related to a car accident involving you and your passengers.
Primary Health Physician Only – Must be purchased if you already have health insurance. It also only covers medical expenses as opposed to full primary health care.
