Personal injury protection: Coverage against accidents

by renditioner » Thu Aug 14, 2008 06:30 am

Personal injury protection (PIP) insurance is a measure you can take to cover for the medical bills you would have to pay in case you suffer any injury in an accident regardless of who is at fault. Accidents can be very taxing, painful in the body as well as to the pocket. If you have personal injury protection, you can stop worrying about any medical bills.

What does PIP cover?

Personal injury protection insurance covers the charge accrued in case of an emergency situation and simultaneous health care treatment when an accident occurs. This coverage protects the driver and the passengers of the driver's car. PIP insurance covers the policyholder, his family member and relations that he has named, the passengers in his car, permitted drivers and in some cases and specific states, any insured individual who gets injured while riding in the car. A pedestrian who gets hit by the vehicle is also covered under this policy.

PIP also provides coverage for lost wages and damages caused due to pain and suffering. You can receive payouts up to the maximum limits of the plan.

With PIP you can cover the cost of:
  • Medical costs
  • Transportation in case of medical emergency
  • Lost wage
  • Death by accident
  • Funeral and burial expenses
  • Benefits to survivor
  • Costs of childcare while you or a passenger in your is being treated in the hospital
  • Loss of companionship (conditions apply)

How much does personal injury protection pay?

PIP can give you a payout of up to its maximum limit. However, usually there is a cap to the amount paid out under PIP and this level varies from one state to another. While on some states the coverage is considerably lower than what it costs for repair and the medical bills, the policyholders or motorists are asked to purchase additional insurance. These additional insurance includes bodily injury protection, uninsured and underinsure motorist coverage. Many mistake PIP and bodily injury to be the same. However, there are differences between PIP and Bodily Injury coverage.

Why would you purchase personal injury protection?

Having personal injury protection means that you can do away with the need to file a lawsuit since it functions regardless of who is at fault. In no-fault states requiring PIP, the drivers are not allowed to sue anyone for damages. They have to make a claim with their own insurance company. They can only pursue damages from another driver at fault if the damages incurred reach a set limit. In case of a death or very serious injuries, the injured party can sue the other driver and can receive payouts beyond the PIP payout cap.

Which are the states where PIP is mandatory?

  1. Delaware
  2. Florida
  3. Hawaii
  4. Kansas
  5. Kentucky
  6. Massachusetts
  7. Michigan
  8. Minnesota
  9. New Jersey
  10. New York
  11. North Dakota
  12. Oregon
  13. Pennsylvania
  14. Utah
  15. Texas

PIP is mandatory in few states and in others it is offered as a choice. It depends on your state's auto insurance laws whether you are required to purchase PIP coverage.

Related Discussions:

Hello people ,I am in a predicament now.Imagine I have a Personal Injury protection and I had an accident while travelling in a car with 4 other people. That's why I need to ask- what does pip cover ?? Will it cover the medical expenses for all the people,who were in the vehicle at the time of the accident? or is it just me?Do the other people also need to have a policy similar to the one I have or any other policy to cover their medical bills ?

Total Comments: 59

Posted: Thu Aug 12, 2010 07:02 pm Post Subject: Denied Lost Wages Recovery

I am a medical recovery supervisor for the government in the state of texas where PIP is required. I filed to recover lost wages for a soldier who was hurt in an auto accident. SAFECO denied claim because policy holder elected medical payments coverage and the ploicy does not provide coverage for loss wages

Posted: Wed Sep 08, 2010 03:02 pm Post Subject: PIP INFORMATION

If the patient is from one state and accident happened in some other state, which state rule for PIP will be applicable?

Posted: Wed Sep 08, 2010 04:53 pm Post Subject:

f the patient is from one state and accident happened in some other state, which state rule for PIP will be applicable?

The laws where the accident happened. There is a portion of the policy that allows for this. For example... if the policy is issued in a state that has no PIP or has low limits and the person is driving in a state that requires PIP or higher limits, then they automatically get the coverage needed to drive in that state.

But limits won't be reduced.

Posted: Thu Jan 06, 2011 03:31 am Post Subject: transpotation benefit

How much much will PIP pay per Doctors visit

Posted: Thu Jan 06, 2011 03:37 am Post Subject: Liability

a defective release can expose the adjuster who took the release to a claim for damages .A release may be defective due to reasons such as :Except
1-GENERAL RELEASE IS USED WHICH DOES NOT CONTAIN AN IDENTIFICATION AGREEMENT
2-NOT ALL TORTFEASORS TO BE RELEASED ARE SPECIFICALLY NAMED
3-A GENERAL RELEASE IS USED TO SETTLE PROPERTY DAMAGE IN A NO FAULT STATE, WHERE THE ADJUSTER KNOWS THE RE LEASER IS ALSO BEING REIMBURSED FOR THE INJURIES BY HIS OR HER INSURER
4-ALTHOUGH LIABILITY IS CLEAR AND INJURY SEVERE, THE SETTLEMENT IS ONLY FOR DISCOMFORT AND INCONVENIENCE, BECAUSE ALL OF THE CLAIMANTS MEDICALS WERE PAID BY ANOTHER INSURER WHO HAS NO RIGHT OF SUBROGATION.

Posted: Mon Mar 14, 2011 08:20 pm Post Subject: Accident and only had PIP Coverage

I was involved into a car acciden, where a motor cycle from nowhere came around a corner and run into the front of my car. I was given the ticket regardless of him speeding because he had the right away. He was injured and transported to the hospital. I only carry PIP Insurance. Can he sue me for anything although I only had PIP Insurance? Please advice- Thanks,

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Posted: Fri Feb 17, 2012 09:36 am Post Subject:

I only carry PIP Insurance

Only 1 or 2 states don't require a person to have insurance (but I think they might require proof of financial responsibility such as a bond). So you don't only have PIP. Report the claim to your carrier.

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