What Is Personal Injury Protection In Auto Insurance

What do you need to know about personal injury protection?

Personal injury protection is a rather comprehensive coverage that pays for the medical expenses and lost wages that can result from an automobile accident. The exact benefits will likely vary depending on the specifics of your plan. PIP is usually just one component of a person's overall insurance picture after such an event.

Who is covered under personal injury protection?

With standard auto liability insurance, the insurance company of the driver responsible for an accident pays the costs resulting from a covered accident (up to the policy’s limits). Personal injury protection is a “no-fault” coverage and is required in some states.

What is considered a personal injury?

The term “personal injury” refers to an area of the law that lets you get a legal remedy for all losses stemming from an accident or other incident where someone else’s carelessness or intentional conduct caused you to be injured.

What are the types of personal injury?

Most common types of personal injury. These include: Back injuries, e.g. caused by lifting heavy or awkward objects. Post traumatic stress disorder, e.g. road accident, military situation (for example serving in Afghanistan). Whiplash, e.g. car accident. Hand/wrist injuries, e.g. RSI, carpal tunnel syndrome etc.

What Is Personal Injury Protection In Auto Insurance

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