What Does Personal Injury Protection Cover?

Medical bills are covered by personal injury protection, generally known as PIP coverage or no-fault insurance, regardless of who is to blame. It frequently includes lost wages as well. Depending on where you live, PIP may be optional insurance coverage or a mandated policy add-on. 

Even if you’re not driving, this coverage may be useful. If you’re hit by a car while walking, riding your bike, or even riding in someone else’s automobile, PIP may cover you up to the limits you pick, depending on the state.

In many states, PIP is necessary. According to the Insurance Information Institute, numerous states passed legislation in the 1970s to implement “no-fault” auto insurance to make deciding who is at fault for an accident easier. The following things are generally covered in PIP.

Healthcare Cost

PIP can cover medical and surgical care, dental and optometric therapy, ambulance and nurse services, medication, medical supplies, and prosthetic devices, among other things.

Lost Pay

If you are unable to work due to an accident, in some cases, PIP may be able to assist you in recouping lost wages.

Substitute Services

PIP may help pay for substitute services, such as a cleaning crew, if accident-related injuries prevent you or those insured from undertaking domestic duties, such as cleaning.

Funeral Expenses 

If an accident results in death, PIP may assist with funeral costs in some cases.

If you and your family already have good health insurance with good post-accident benefits, the lowest legally necessary PIP limits may be sufficient. You can always adjust your limits to match your unique circumstances if you want the extra protection that PIP can give, such as lost wages and substitute services charges.

If you and your family don’t have health insurance or have a plan that doesn’t cover all of PIP’s benefits, it may be in your best interest to purchase as much PIP coverage as you can afford. When determining your PIP limits, think about the financial implications of an injury-causing automobile accident.

To learn more about Personal Injury Protection, visit our blog section.