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Personal Injury Coverage
What is personal injury coverage?
Personal injury coverage, or PIP, is the section
of a no-fault insurance company that covers medical
expenses. What medical expenses in particular
it covers and the limits per person and per accident
vary according to policy and provider.
Most car insurance companies choose which medical
expenses to cover by what they consider to be
'necessary and reasonable'. What is necessary
and reasonable? Some companies are governed by
state regulations. Others may pad the policy a
bit. Make sure you know for sure - ask any potential
providers before you lock yourself into a policy.
Some expenses that you should expect to find
covered in most personal injury coverage policies
include:
- Most medical costs
- Hospital costs
- Income continuation
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Some states may offer insurance options to cover
child care costs and bodily
injuries that are caused by an accident, regardless
of fault. Again, be sure to ask your potential
providers for details on any policy you are considering.
Who needs personal injury coverage?
It depends upon the other types of auto insurance
policies you have and what your state's requirements
are. Some states require a minimum amount of personal
injury coverage, even if you have invested in
comprehensive
coverage and collision
coverage. Disability insurance will cover
almost all of the same things that personal injury
coverage pays for, so spread out all your insurance
policies including health insurance and others,
to make sure that you aren't buying extra coverage
that you don't need.
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How much personal injury coverage do I need?
Again, this depends on the medical coverage that
you have through other plans and the amount of
personal injury protection that you are required
to keep by your state of residence. Check with
your state insurance website for more information
and ask your insurance agent for help finding
you the best policy possible without unnecessarily
doubling your coverage and your costs.
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