What Is PIP?
Are you familiar with the term PIP or personal injury protection? What it means is that you will be given certain benefits if you have been injured due to the negligence of another person, company or government agency. These people, companies and agencies are usually the ones who have failed to properly maintain their public works. So if you were injured because of their negligence, you will be given certain compensation that has been determined by an accident attorney.
This type of compensation is available for any accident irrespective of fault or damage caused to property or injuries on account of sickness, disease or death. When you are covered with PIP, you will receive medical bills as soon as the hospital sends you the statement of medical expenses from your accident. The expenses include all those incurred for your treatment and rehabilitation, including lost wages and pain and suffering, and all other related expenses. You will also be given money to pay your other living expenses while receiving full-time nursing care so that you do not suffer from financial difficulty. However, if you lose your job due to your accident and cannot return to work, your compensation will also help you adjust to the new situation.
It is mandatory for all US residents, aged 18 or above, to have PIP coverage. Injuries are common even in normal circumstances and no one is exempted from these accidents. There are different types of injuries and these include whiplash, fractured bones, head injuries, back injuries, neck and shoulder injuries, bruises, pain as a result of a fall, and infections caused by the exposure to germs and bacteria. There are some states that allow their residents to get pain relief for specific injuries and these types of injuries are covered under the PIP along with lost wages and medical expenses. This is to ensure that the injured person gets enough support through the shortest time possible.
The rates for getting PIP are different depending on the kind of accident that you are involved in and the state you are in. If you are in Michigan, for instance, your medical expenses and lost wages are not covered in the minimum amount of PIP that is required by the state. In such a case, it is essential that you file a claim and you should understand that no-fault or limited fault cases are considered in Michigan. Hence, before you receive any claim, ensure that you know what kind of accident you had and how much you are eligible to receive in terms of medical coverage and no-fault cases.
The payment of PIP is based on the number of accepted claims that have been made by the beneficiaries and on the total amount of compensation recovered. The basic idea behind this provision is that the survivor’s loss is considered as an essential service for the health and the economic well being of the family. However, the laws differ from state to state and it is advisable for you to check with a professional insurance agent before purchasing pip insurance.
PIP are paid by Michigan residents and Kentucky residents only. The states that do not provide PIP benefits include Arkansas, Georgia, Maryland, Montana, New Hampshire, North Dakota, Oregon, and Utah. In certain states, like California, a person filing for a claim is not required to have medical coverage while waiting for the settlement. PIP is basically meant for those who are left without a significant income when a family member dies or suffers an accident. This is necessary because families do not have extra money to cater for their needs while they are away at work.
For individuals who are in the United Kingdom but not resident in Michigan, the state requires that the individual applies for Personal Injuries Protection insurance car insurance cover. The form that you fill out to apply for the insurance has a section where you mention that you were not injured during the auto accident and did not cause the damage to the other party’s vehicle or property. The form also asks about any previous medical issues that may have kept you from making a full payment on your claim. The insurance company will help pay for some of the medical bills and transportation costs of the injured person and will also help pay for any missed payments due to delayed illness or inability to work.
The coverage limits vary from state to state. Most companies offer pip coverage for a couple of different types of incidents. Bodily injury or bodily harm coverage may provide coverage for people who are badly injured after being hit by an uninsured driver. Property damage and collision coverage may provide compensation if the insured vehicle is damaged as a result of a collision with something that is not their fault, such as a fallen tree or another vehicle. If the vehicle was stolen, the insurance company will pay for repairs and replacement of the vehicle.