What Is Personal Injury Protection?
Personal injury protection is now an integral part of many car insurance policies available in the United States. It was created by states to protect drivers who injure themselves or those who are injured by another driver. It pays medical and hospital bills and other associated costs for the accident victim. The idea is to stop the driver from having to endure financial hardships as a result of the injury. Personal injury protection is also an extension of normal car insurance available in some U.S. jurisdictions that covers lost wages and other associated costs.
Personal injury protection takes effect when a person has been in an accident and is not covered by the state’s personal injury protection insurance. The person must file a complaint with his or her personal injury protection agent, state the reason for the accident, and the accident and any resulting expenses must be shared with the other party. Pip insurance covers all such expenses related to an accident with no discrimination based on pre-existing conditions. It can also cover lost income due to disability, pain and suffering and funeral expenses. The policy does not affect coverage for diagnosed pre-existing conditions.
It is necessary for people operating a vehicle to have personal injury protection (pip). Without it, they can be denied of benefits under various circumstances. This includes being involved in a traffic accident that was not your fault, being involved in an accident that caused damage to another vehicle or property, being involved in an accident in which the other driver fled the scene, being involved in an accident while driving under the influence of alcohol or drugs, or being involved in an accident that resulted in death or severe injuries. In these instances, the no-fault insurance helps cover the associated costs.
Personal injury protection (PIP) is usually purchased by people who operate small vehicles such as cars, trucks, buses, motorcycles, and sport utility vehicles. It provides coverage for personal injury damages suffered due to auto accidents. In addition, it covers losses resulting from medical malpractice, wrongful death, and wrongful damage claims. In addition, it also provides coverage for personal injury damages caused by the negligence of others. PIP can be obtained under the following circumstances:
Under the laws in Canada, personal injury protection and medical payments insurance are considering co-guarantors. In that regard, you will need both of these policies to file a claim. That said, you cannot file a claim for lost wages or pain and suffering unless one of the policies has been applied for and accepted. For instance, if you suffered a broken leg while playing soccer on the floor of a gym, you could try to file a claim for pain and suffering through the Canadian Football League but you cannot claim injury from Canadian National Soccer Team until you have obtained personal injury protection coverage through a Canadian football team. In the same regard, if you suffer a back injury while lifting a TV set on a bed in your home, you could attempt to file a claim for personal injury protection with the manufacturer of the television set but you cannot file a claim for loss of income or pain and suffering until you have obtained a pip claim.
Another situation where your pip insurance can help cover medical expenses is when you are seriously injured in an auto accident, regardless of who is at fault. In that regard, personal injury protection car insurance cover can help pay for your treatment and rehabilitation. For instance, if you are seriously injured in an auto accident, you may be entitled to compensation for lost earnings as well as future care costs. Additionally, the policy can help pay for your transportation expenses to and from the hospital.
Although the details may vary somewhat from situation to situation, most personal accident insurance policies provide coverage for property damage, medical payments, and lost wages. Property damage is generally defined as all physical damage to real or personal property caused by an auto accident, regardless of who is at fault. Medical payments and lost wages will cover your treatment and other related expenses. You should consult with your policy document to determine what is covered and what is not covered.
In the case of lost wages, you typically receive a lump sum payment equal to forty percent of your regular weekly wages. However, medical and substitute services expenses will not be included in this amount. In the case of lost wages, you typically receive a wage replacement but the policy will provide for an additional twenty percent of your regular weekly wages up to a maximum award of one thousand dollars per week. If you need to undergo rehabilitation, you may also be eligible for additional benefits under the PIP insurance policy. Therefore, it is important that you consult your pip insurance provider to determine what benefits are available to you under your particular policy.