A personal injury protection provides coverage in case of any physical injury in an accident. It protects against any financial loss due to medical expenses on the treatment. Unlike bodily injury insurance coverage , it offers protection for your own injuries after an accident. Due to this very feature a PIP or a personal injury protection is also known as no-fault insurance. A no-fault insurance is one in which you need not to prove that you didn’t make any mistake from your end while driving to claim for the amount, as soon as the accident is proved unintentional, the coverage stands valid and it is good to protect you and your relatives who are travelling with you inside the CAR against any potential medical expenses on injuries.
As for personal injury protection (PIP) claims, investing much on who’s fault is not required, the claim process becomes considerably easier and faster. You are therefore not required to submit more documents or evidences to get an instant approval on your claims. You may claim for -medical bills, operation charges, hospitalization charges, cost of any medical instrument or devices used during operation or the recovery process.
So, holding a personal injury protection may cover the major portion of your and your relative’s medical bills and so it provide protection against huge financial losses.
However, you can not claim for the medical bills of other person who got injured in the same accident. You may separately hold a bodily injury insurance coverage for other person’s injury and a property damage insurance cover for damage to other’s property.
Who does not need a Personal Injury Protection Coverage?
If you and your family already hold a life insurance policy which is clubbed with accidental befits and hospitalization coverage, you may not need a Personal Injury Protection Plan. However, you must revisit the terms of your existing insurance as it may sometime not cover your personal injuries if you are held responsible for the accident. Also, the claim process may take some time as there could be lot of other aspects involved in it.
In some states, holding a Personal Injury Protection Coverage is mandatory and if caught without holding the basic policy, chances are there that you may be charged with a legal penalty. So, in those states where holding Personal Injury Protection (PIP) is a legal norm, everyone should purchase at least a basic policy with legal minimum coverage amount.
To be on the safer side, each individual should have a Personal Injury Protection as it provides coverage for all vehicle related accidents, either you are driving, walking on pedestrians or a passenger in a CAR. It really doesn’t matter if you are outside or inside the cars during an accident and was it due to your mistake or not..!!!
Which types of claim are not covered under Personal Injury Protection (PIP)?
Personal Injury Protection do have certain exceptions and any claims reported under those are usually rejected:-
1.If the person is injured while driving a CAR or Motorbike after getting intoxicated.
2.Your relative’s claim who is already has their own Personal Injury Protection Coverage.
3.If you are driving out of state and met with an accident there.
4.If you are driving a CAR which doesn’t have a valid insurance.
5.If the accident was intentional and was committed purposefully.
6.If you are meet an accident while driving a motorbike and doesn’t hold a PIP specifically for your Motorbike.
What type of accidents are covered under Personal Injury Protection (PIP)?
1.If you are driving a CAR and gets injured in an accident.
2.If you are walking on a pedestrian and a car or a motorbike hits.
3.If your family members are injured in an accident of your Car while you are driving.
4.If your co-passengers who are in the same car you are driving are injured.
5.If you are driving Motorbike and meets an accident while holding a valid PIP for Motorbike.
What can be claimed under Personal Injury Protection?
3.Operation and surgery cost
6.Life supporting devices and Medical equipment’s cost
What can not be claimed under Personal Injury Protection (PIP)?
Following things can’t be claimed under a Personal Injury Protection (PIP):
1.Cost of damage to your own CAR.
2.Cost of damage to other vehicles.
3.Medical cost of driver injured in other car.
4.Medical cost of injured passengers travelling in other car.
5.Any external property damage cost.
6.Minor injuries cost which is below the minimum claim amount.
7.Cost of suffering and pain after due to an accident.
8.Compensation cost of death or permanent disabilities of a person in the accident.
9.Over the counter drugs and medicine cost without consultation to a doctor.
10.Any physical injury other than on-road accidents.
Which states have regulatory obligations for PIP coverage?
7. Maryland Massachusetts
10. New Jersey
11. New York
12. North Dakota