Benefits of PIP Car Insurance

Personal injury protection (PIP) coverage is commonly known as “no-fault car insurance,” as it is the most commonly required insurance coverage among no-fault states. The policy is designed to cover policyholder’s medical bills in the event of a car accident. Find out more about the benefits of PIP car insurance. Also, if you want to know how to get a car insurance quote, you should check our website. We have plenty of info to share about car insurance.

If you have PIP insurance and are injured in a crash, you can receive maximum benefits whether or not the accident was your fault. Besides medical bills and lost wages, PIP insurance can also cover expenses like transportation to medical appointments and lawn repair. Of course, you must check carefully which events are covered, as stated in the contract.

PIP is similar to Med Pay insurance in that it will cover injury costs occurring directly from the accident. The main difference is that PIP is actually more comprehensive and will even compensate you for lost wages. This is why PIP insurance is more expensive than Med Pay is.

Personal Injury Protection does not cover non-economic losses such as damages due to pain and suffering. PIP can be nullified if motorists drive while intoxicated or while under the influence of drugs, or if they’re found to have caused the accident deliberately.

If you already have health insurance, medical payments coverage and the medical coverage portion of PIP may be a bit redundant. Even so, it could still be a worthwhile purchase, because your health insurance is not going to benefit other people in your car if you have an accident, especially if they don’t have health insurance. Personal injury protection coverage can help cover those bills for your passengers.

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