PIP Insurance Coverage

It must be noted that the PIP insurance coverage has become a mandatory compliance in several states. This coverage is basically an extension of auto and car insurance, though in some cases, the PIP is also available as a totally different or independent policy. Here, some inputs regarding PIP coverage, both as an independent policy of insurance or as an extension to the already existent policy of insurance have been provided.

What is Personal Injury Protection Coverage?

A common joke that is narrated by several lawyers and people working in the insurance field is 'getting into an accident is expensive'. It is indeed true as several expenses are incurred after one suffers from an accident, with no fault of their own. The PIP or personal injury protection coverage, is the coverage that compensates and takes care of the expenses that are incurred immediately following an accident, usually an auto or car accident. Usually the PIP coverage is an extension of the auto or car insurance and the premium of both the coverage is consolidated or is revised and remade. In short, the premium increases a bit.

The states where it has become mandatory to include this coverage in one's car or auto insurance policy are, Oregon, Kentucky, New York, Kansas, Utah, Florida, Delaware, Michigan, Pennsylvania, Hawaii, New Jersey, Massachusetts, North Dakota and Minnesota. The road authorities and authorities issuing driving licenses, tend to keep a tab on the insurance status of the people. There have been several cases where, as a result of the lack of PIP coverage, the driver's license has been revoked. The coverage for such insurance policies is known to range from $1500 to $250,000.

Note: In some states, AMP or Auto Medical Payments coverage is made mandatory instead of the PIP coverage. The AMP, which is quite similar to the PIP coverage, is an extension of auto insurance policies.

The PIP coverage is usually a part of car and auto insurances, however there are some general PIP coverage that extend financial protection and compensation for expenditures arising from several different accidents, even when auto or car accidents do not come into the picture. Such accidents may involve slip and fall accidents or other accidents involving bodily injury. Such general personal injury protection insurance coverage, which is not included in the car or auto insurance is also provided by insurance companies which provide common health insurance.

Constituents of PIP Coverage

PIP usually covers all the first aid expenditures, cost of ambulance and all other costs that are incurred as a result of bodily damage. Here are some additional details of what is included in a PIP coverage.

    Mostly, this insurance covers expenses such as first aid expenses, short-term injury treatment, emergency treatments and medical assistance.
    Some miscellaneous expenditures such as ambulance expenditures and emergency room bills, are covered by the PIP insurance.
    Overall, anything that is connoted to be a bodily expenditure is covered by this insurance policy without having a deductible charge. There is a certain time period, of say 12 hours or so, from the time of the accident, after which the coverage becomes inapplicable.
    In some expensive PIP insurance policies, the expenditure of opposite parties is also covered. Such similar policies with very high premiums also tend to cover wage loss, lawyer charge and towing charges.

Please note that the PIP coverage is mandatory in the aforementioned states. Apart from that, even if you don't live in those states, getting an inexpensive PIP coverage, helps a great deal as you receive immediate medical attention after the accident, ruling out any other serious effects of accidents.


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