Personal Injury Protection

Finding the Best Personal Injury Protection Insurance

(So you know you are covered when it matters most)

personal injury insurance

Personal injury protection is an insurance policy that you don't want to be without. Whether you are at fault in a car accident or not, this coverage will give you the protection that you need. It will save you a lot of times from what could be a substantial financial loss.

Your independent insurance agent is the most suitable resource when it comes to obtaining personal injury protection. They have dealt with various insurance companies and have the knowledge of the best carrier to fit all your insurance needs.

What Is Personal Injury Protection Insurance?

Personal injury protection is a coverage that is endorsed or included on your auto insurance policy. This coverage will assist in paying medical bills due to a vehicle accident regardless of who's at fault. Personal injury protection is also referred to as no-fault insurance or PIP.

Is Personal Injury Protection Insurance Mandatory? 

Currently, personal injury protection insurance is only mandatory in twelve states and referenced below. PIP is automatically included in your auto policy in those states unless you sign a refusal of coverage letter. In the remaining states, personal injury protection insurance can still be available but it is not required.

What Is the Minimum Personal Injury Protection Needed by State?

If you live in a mandatory no-fault state, then you’re required to have the following minimum PIP coverage: 

New Jersey$15,000
New York$50,000
North Dakota$30,000

Why Do You Need Personal Injury Protection Insurance?

In the event of an accident, PIP protects you, your family, and anyone in the car from out-of-pocket medical expenses. It will even cover you when you’re riding in other people’s cars or if you’re riding on the back of a motorcycle. The coverage can prove to be very useful especially if you have a high medical insurance deductible.

What Does Personal Injury Protection Insurance Cover?

Policies vary from state to state. PIP will typically cover any accidents and injuries involving a moving vehicle of any kind. No matter the type of vehicle used, coverage will be available. 

Most of the time PIP is filling in the gaps so you are not responsible for paying medical bills due to a vehicle accident. It can also provide coverage for lost wages, funeral expenses, and replacement services.

PIP coverage can include the following:

  • Medical bills: PIP will cover any medical bills related to hospitalization, operations, and additional medical care. 
  • Lost wages: If you’re injured to the point of not being able to go back to work, PIP will provide up to six weeks of coverage for your lost wages.
  • Funeral services: If someone dies in a vehicle accident, PIP will help pay for funeral costs.
  • Replacement services: In the event that your injury makes you unable to maintain everyday living such as mowing the lawn, PIP will provide funds for someone else to come out a perform those functions until you are able.

How Much Does Personal Injury Protection Insurance Cost?

PIP can cost from as minimal as fifty dollars per month up to a couple of hundred. It is dependent on your age, the make and model of your vehicle, and the amount of coverage you desire. It may not be the least expensive coverage on your auto policy, however, it is vital to proper protection.

Do You Need Personal Injury Protection if You Have Health Insurance?

PIP can help meet your health insurance deductible in the event of an accident. The coverage is meant for each individual named insured, and no one else is allowed to file a claim on your PIP coverage. 

In addition to providing medical coverage for you, PIP will also include coverage for lost wages and replacement services, all of which most health insurance plans do not cover.

The Benefits of an Independent Insurance Agent

An independent insurance agent is the best educator when it comes to personal injury protection coverage. They work with a number of different insurance companies and can find not only the best insurance coverage but also the most competitive pricing. 

Since they are knowledgeable about a variety of insurance products, they can help you narrow down which policy is right for your specific circumstances. 

Most importantly, they’ll be there to help you file a personal injury protection claim. The outcome of insurance claims can be strongly impacted by how the process is approached and handled. 

Finding and Comparing Personal Injury Protection Insurance Quotes

Working with a well-vetted independent insurance agent will ensure that you receive the right coverage from a variety of options. Comparing different insurance policies is to your benefit and so is your independent insurance agent.

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