What is Personal Injury Protection?
September 19, 2022 – Adam Mann
When you are in accident or if you are the cause of it, whether it be a vehicle or bicycle, it is important to have insurance to help you pay for the aftermath of the accident. That is where personal injury protection comes in. Personal Injury protection (PIP) or no fault insurance is a type of insurance under your automobile plan that covers you and your passengers’ medical expenses no matter who is at fault. As long as the accident is covered under your automobile policy, PIP will pay for medical expenses.
PIP is required for every driver to acquire in 18 states. For other states it is enforced or highly suggested to include as an add on. To determine whether your state requires you to have this included in your policy you should check with the insurance company. Here are a few states that require no-fault insurance:
- Florida ($10,000)
- Massachusetts ($8,000)
- Pennsylvania ($5,000)
- New York ($50,000)
- Utah ($3,000)
- Michigan (varies)
How much coverage you receive is set by the insurance companies and typically is no more than $25,000. Each state will specify the minimum amount of coverage you are required to have in your no-fault policy. If PIP is not required in your state you should look at your health insurance to determine how much is covered, what your deductible is and what your out of pocket maximums will be to help you figure out if you purchase PIP.
As mentioned before the purpose of PIP is to cover any injuries you sustain from an accident whoever’s fault it may be. Here are a few other things that PIP will cover:
- Medical expenses as mentioned before from a car accident
- Lost wages if you can’t work due to the injuries you sustained
- Services you can no longer do because of the accident such as cleaning the house or caring for your children
- Funeral costs if you pass away from your injuries
- Passengers in the vehicle
- Driver of the vehicle
- Anyone driving your car
- Riding in someone else car
- If you have been injured by a car, bike or pedestrian
- Survivors’ loss for those who lost a family member because of an injury
However not everything will be covered by PIP. The following will not be covered:
- Damage done to your property
- Other driver injured in a collision
- Any injuries you sustained from an accident while committing a crime such as running from police
- Injuries from an accident in which you received a payment for driving
For over 50 years, Cohen and Cohen Law has helped thousands injured across South Florida. If you or someone you know has recently sustained an injury and needs to speak with an expert call us today!
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