One day when I was driving on the freeway, I was completely blindsided by another car pummeling down the hill. I didn't know what to do or what went wrong, but I knew things were bad. I couldn't feel my feet at first, and my face was covered in liquid that turned out to be blood. When the ambulance arrived I could see the concern on their faces, and it was frustrating to know what was about to come. Fortunately, I was able to get great medical care, and talk with a personal injury attorney that helped me to sort out everything else. Read this website to find out how accident attorneys can help you to make a difference in your own life.
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Auto accidents are a common occurrence on the roads today, and they can be life-altering. From minor scra
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Ideally, injury victims would get full compensation as soon as possible after an accident. However, that
Personal injury protection, often called PIP, is a part of your auto insurance coverage. This part of your coverage is what covers your medical bills as well as lost wages when you are involved in an accident. This is a very important part of your coverage that you should understand.
#1 PIP Covers Your Medical Bills
One of the biggest benefits of PIP coverage is that it covers your medical bills. It is designed to cover your medical bills regardless of who is at fault for the accident. PIP will cover your medical bills up to the level of coverage that you pay for.
For example, if you pay for $10,000 worth of PIP protection, your PIP will cover the first $10,000 of your medical bills regardless of who is at fault. If you have $100,000 in coverage, your PIP will cover the first $100,00 worth of medical expenses.
The PIP portion of your insurance coverage is usually paid very quickly as it is not about who is at fault. It doesn't matter who is at fault for the accident--this is medical money that you are entitled to.
#2 PIP Covers Lost Wages
Personal injury protection also covers lost wages as well. If you have to miss out on work due to the accident at all, you can get that money back. For example, if you have to call off work because of the accident, you should get paid for that. If you had to miss work in order to recover, you should get paid for that too.
This requires some proof. You are going to need to show your insurance company how much you make per hour and also provide proof that you missed work due to your injury. Your lawyer can help you document these instances so you have adequate proof.
#3 PIP Coverage Protects a Range of Individuals
Personal injury protection coverage actually covers an entire range of people. First off, it covers the person who owns the car and the company. It then covers anyone who is driving your vehicle with your permission. After that, it covers anyone who is riding in the vehicle with you during the accident. It also covers any family members who live with you if they are involved in an accident in your vehicle or another person's vehicle. If you hit a pedestrian with your vehicle, your PIP coverage would provide them with coverage as well.
#4 PIP Doesn't Have to Come with Deductibles
Finally, another great benefit of PIP is that it doesn't come with deductibles. If you are involved in an accident, you don't have to pay a deductible to get your PIP coverage. PIP coverage is useful even if you have medical insurance; you can use it to cover your additional medical costs.
If you are involved in an accident, reach out to a car accident attorney right away. They can make sure that you get the PIP benefits that you deserve as well as any other compensation that you are entitled to.
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