Does PIP extend only for your insured state or all no-fault states?
Does it over your family household?
Total Comments: 4
Posted: Wed Apr 10, 2013 06:53 pm Post Subject:
PIP (or no fault) states require that vehicles that operate in those states have PIP. Auto polices have an Out of State Coverage provision that adds these coverage's. If you are in a state that requires lower PIP limits carriers will almost always (or always) extend the higher coverage you are paying for.
As to it covering the family, you'd need to look at the PIP laws for the state where the accident happened, probably the PIP laws where the policy is written as well as the terms of the insurance policy itself.
Posted: Wed Apr 10, 2013 10:54 pm Post Subject:
PIP laws vary from state to state. Check with your insurance company or agent to see how they apply to you when you are in another state.
The out of state coverage, in my experience, applies to mandatory auto insurance liability limits only, not to PIP, for states where in you are traveling, that have higher required liability limits than your home state.
Posted: Thu Apr 11, 2013 04:11 am Post Subject:
The out of state coverage, in my experience, applies to mandatory auto insurance liability limits only, not to PIP, for states where in you are traveling, that have higher required liability limits than your home state.
It applies to all mandatory coverage. If the state your driving in requires PIP and you don 't have it, you will get PIP. If you only have $5,000 in PIP and the state requires $10,000 then you get $10,000. There is no condition on what coverage this applies to... at least I've never seen it.
Posted: Thu Apr 11, 2013 07:50 pm Post Subject:
tcope, I had the same assumption for years, until it came up in a CE seminar, and I checked the policy of the company I worked for at the time.
Out of state coverage may vary from company to company. Read the clause in your auto insurance policy, and see what it says. If I'm wrong, I'd appreciate it if you post the policy language and the company.
I checked my old Oregon State Farm policy, and it refers only to mandatory liability coverage. However, I checked an old Progressive auto insurance policy, and it is broader, to include other compulsory coverage required by the state, but only if the state law requires it of non-resident drivers. So, for this to apply to PIP, it would depend on the requirements specified in the state's PIP law.
Posted: Wed Apr 10, 2013 06:53 pm Post Subject:
PIP (or no fault) states require that vehicles that operate in those states have PIP. Auto polices have an Out of State Coverage provision that adds these coverage's. If you are in a state that requires lower PIP limits carriers will almost always (or always) extend the higher coverage you are paying for.
As to it covering the family, you'd need to look at the PIP laws for the state where the accident happened, probably the PIP laws where the policy is written as well as the terms of the insurance policy itself.
Posted: Wed Apr 10, 2013 10:54 pm Post Subject:
PIP laws vary from state to state. Check with your insurance company or agent to see how they apply to you when you are in another state.
The out of state coverage, in my experience, applies to mandatory auto insurance liability limits only, not to PIP, for states where in you are traveling, that have higher required liability limits than your home state.
Posted: Thu Apr 11, 2013 04:11 am Post Subject:
The out of state coverage, in my experience, applies to mandatory auto insurance liability limits only, not to PIP, for states where in you are traveling, that have higher required liability limits than your home state.
It applies to all mandatory coverage. If the state your driving in requires PIP and you don 't have it, you will get PIP. If you only have $5,000 in PIP and the state requires $10,000 then you get $10,000. There is no condition on what coverage this applies to... at least I've never seen it.
Posted: Thu Apr 11, 2013 07:50 pm Post Subject:
tcope, I had the same assumption for years, until it came up in a CE seminar, and I checked the policy of the company I worked for at the time.
Out of state coverage may vary from company to company. Read the clause in your auto insurance policy, and see what it says. If I'm wrong, I'd appreciate it if you post the policy language and the company.
I checked my old Oregon State Farm policy, and it refers only to mandatory liability coverage. However, I checked an old Progressive auto insurance policy, and it is broader, to include other compulsory coverage required by the state, but only if the state law requires it of non-resident drivers. So, for this to apply to PIP, it would depend on the requirements specified in the state's PIP law.
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