What Is Personal Injury Protection?

Car insurance covers more than just the car, it also covers personal injury. Personal injury protection (PIP) covers any injuries that may happen in a car accident.

It may also, in many instances, cover lost wages if a person is unable to work due to an injury in a car accident. Each policy has a variety of situations that it will cover in a wreck.

Personal injury protection can pay medical bills that aren’t covered under your regular insurance payments for medical. It may also cover rehabilitation costs, and in the worst case scenario, it can also cover funeral costs. Not all insurance is the same. You’ll want to read the fine print and understand exactly what personal injury protection your insurance covers.

If there are young children that you’re unable to care for due to an injury, the personal injury protection may also cover your childcare costs for putting them in a childcare service or having someone come in and tend to your children’s needs while you’re recovering.

Depending on which state you live in, the protection on your insurance policy is either mandatory or optional. There are 13 states where this is mandatory. If you’re not in one of these 13 states you’re not required to carry this type of insurance although most insurance agents will strongly recommend that you carry such insurance to ensure that if you’re involved in a wreck you have this coverage regardless of who is at fault.

Although North Carolina car insurance does not require a minimum Personal Injury Protection (PIP), there are advantages to having this type of coverage. For example, if you ever have an accident, PIP will pay for you and your passengers’ medical expenses.

Each state has specifics that are and aren’t covered with the protection. In some states, acupuncture is covered and in others chiropractic care. Other states won’t have these coverages available on the policy or for that particular state. Read the fine print and make sure that you understand what is and isn’t covered on your policy.

Keep in mind as well that each insurance company may have a different parameter that it carries. The cost of this coverage will vary by state and by the insurance company.

It is more expensive than regular insurance and it’s important to understand that since each company has different things that it covers the premiums will be different for each company.

When comparing your insurance you’ll want to compare it as equally as possible so try to find two insurance companies to compare that will give you basically the same coverages and then find out what those differences are.

Keep in mind that these are based on the frequency of car wrecks vs how severely injured someone is. It’s also vital to remember that the more frequently someone is in a wreck, the higher the premium for that insurance is going to be regardless of whether or not the personal injury protection is used for each wreck.

If you have car insurance, you’ll want to make sure that you have personal injury protection to protect yourself against loss of wages or other injuries in a wreck. This is for your benefit as well as anyone that is involved in a wreck with you. Now you know the answer to “What is personal injury protection?”.

North Carolina Car Accident Law

If you have been injured or suffered injuries in a auto accident, you may need the services of a North Carolina car accident lawyer.  Lakota R. Denton is an Asheville car accident attorney who offers a free case consultation.

Contact Asheville Motor Vehicle Accident Lawyer

If you feel you need to hire a car accident lawyer, you should consider Lakota R. Denton, an Asheville, NC personal injury lawyer that offers a free case consultation.

Contact our Asheville Accident Lawyers today to schedule a free consultation, where we will make a plan to move forward so that you can focus on your health.

Phone: (828) 333-5996