Things You Must Know About Pip
Getting involved in a car accident can be the beginning of all your troubles. Since state laws are different, ensure you are conversant with your state laws in the matters of personal injury protection. It’s very important to have personal injury insurance because it will stand on your behalf in case of an accident instead of paying huge fines or fees. It’s good that you read more now as to whether your state requires you to have personal injury protection or not. In the off chance that you have your insurance, the next thing is to ask if you know the importance of the protection. Continue reading this page to find out whether you need personal injury protection and why.
Have you ever heard of PIP claims, and you are left wondering what it means? You can benefit greatly with personal injury insurance on top of your auto insurance since it will take care of any costs that will arise from the accident no matters who was responsible for the accident. The reason you must think of having personal injury insurance is that it will save you the headache of the costs that are related to accidents including medical bills, compensation, and other costs.
Not all states require you to have additional coverage for your auto insurance. When your state is referred to as a no-fault state, you can only get the compensation that is provided by the legislature and nothing above that. In the lists there about 16 states that need their citizens to have personal injury protection even when they have auto insurance cover. This website will lead you to read more on whether you must have personal injury protection or not.
So, what does it mean to say you are living in a no-fault state? In such a case, when you are involved in an auto accident you are expected to fail a claim with your insurance carrier. The reason why states employ this tactic when dealing with lawsuit claims is to make sure only the necessary lawsuits go through so that the legal system hence reducing the number of lawsuits they receive. If you are under this type of legislation then you must make sure you have your injury protection although not all states demand their citizens to purchase one. To learn more about the position of different states on being a no-fault state click here.
Personal injury protection covers the lost wages, death benefits to beneficiaries, medical expenses, and funeral expenses. If you have any questions about PIP it’s good to read more here on our other articles.