Personal Injury Protection

It is a statistical fact that the more miles you drive, the more likely you are to be involved in an accident so no matter how good a driver you are personal injury protection is not a luxury. When you have other responsibilities, especially of a financial nature then this is no longer an option. A PIP or personal injury protection can be a separate ‘stand alone' plan but is normally part of a larger insurance policy. Unfortunately, any insurance policy is expensive (no matter how important) and many of the most vulnerable families that this would benefit just cannot afford to add another plan to their portfolio.

Unfortunately however, it can be very costly in other ways if the cover is not appropriate or does not cover the intended items. Personal injury and property insurance are usually required by law throughout most parts of the USA, though the required amount may differ considerably in each state. In Alaska for example a car driver will require ten times the amount of coverage that a driver in Florida will need. Although there are still some states that have not passed a law on personal injury protection at this time, there is no reason why you should wait until it has before you arrange it.

A large amount is paid out against these plans for the insured and any person traveling with them, up to four fifths of the costs. As a no fault policy though, the plan pays for loss of earnings, medical expenses and various other costs for the policy holder and his passengers even if the insured was responsible for the situation. Before you purchase this type of cover, you would be advised to take a look at your current policies and see whether or not the areas covered by the proposed plan are not already duplicated in other insurance plans. It is quite common for certain aspects like hospital bills and possibly a percentage of lost income to be covered by a family health insurance policy.

If you were to discover this it may only be necessary to take out a minimal cover personal injury policy and possibly not require one at all. Drivers that have more than their fair share of accidents are more likely to require personal injury protection even though it may cost them more. Health insurance plans will often cover the main policy holder as the driver and providing the passengers are relatives, it will usually cover them as well if they are injured. Personal injury protection will still be required if you find that other passengers are not covered or the level of cover is so low it is almost a waste of time.

Remember, the safety of a passenger in your car is always going to be your responsibility. Ensuring you have adequate personal injury protection if you are a driver should not just be about the legal requirement for you to have it, even if you are in a state that has not made it mandatory yet. Your insurance policy costs can depend on many factors, including, age and current health conditions, both of which can lower your premium considerably. Whatever your circumstances, you need to research it carefully so that you can rest easy knowing that you and your passengers are safely covered.


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