As we are aware life is full of surprises, and quite often, whether it is fault or not, accidents or unexpected events happen to us which can have health consequences for us. It is therefore more than necessary to consider our insurance and to be more assured that whenever we encounter unexpected situations we won’t have to worry much about covering medical expenses.
One of the most important insurance deals we must have is personal injury protection known also as no-fault insurance which is insurance coverage in case of car accidents. In case of a car accident the personal injury protection (PIP) covers your medical expenses and of your passengers.
Personal injury protection covers:
- Medical bills and expenses that arise from a car crash.
- Lost wages if you are unable to work due to injuries sustained from an accident.
- Services you can no longer perform because of an accident, such as house maintenance or child care.
- Funeral costs if an injury sustained from an accident leads to death.
- A small death benefit as a cash payout.
Is it obligatory for me to have personal injury protection?
Even though personal injury protection is considered to be important insurance, in many states it is optional. In some states, you are obliged to have a minimum of personal injury protection on your insurance.
Regardless of whether your state recommends or obliges a certain amount of PIP in your health insurance, it is still good to prioritize this type of insurance and insure yourself in the case for any time any accident case can happen to you or your family which in several times can lead to such great damage that even recovery might cost a lot.
Therefore, it is recommended that you have a PIP so that in the event of an accident or any expense that will result after the accident you will not have to worry about the recovery cost or duration.
Should I have personal injury protection if I have health insurance?
It is recommended to have personal injury protection even if you have health insurance because PIP provides more benefits than health insurance. More specifically, personal injury protection covers lost wages and funeral costs.
Personal injury protection provides lost wages compensation due to the inability of the injured to work. The PIP would give the injured person a certain amount of payment per week.
Except for the lost wages, medical expenses and other loss income PIP also covers funeral costs after the accident, no matter who is at fault.
Medical payments and PIP
Before deciding about having personal injury protection it is important to understand it and have no uncertainties regarding its benefits.
Although medical payments and PIP coverage might be similar there’s still a distinction between them. While medical payments mostly cover the medical bills that are the result of an accident, PIP covers more than that, except medical pays known as MedPay, PIP covers health costs, lost wages for you and the passengers who were with you in case of the accident and are injured too.
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