What Does Personal Injury Car Insurance Protection Cover?
If you want to add additional medical coverage to your car insurance, then you can buy a personal injury protection (PIP) policy. While this coverage is required in some states, it is optional in others. Even so, it gives you useful protection if you are involved in an auto accident and have to pay medical expenses or deal with other costs after an injury.
What kind of coverage can you get from a PIP policy?
Medical Expenses
Your regular car insurance coverage doesn't typically cover any injuries you might sustain in an accident. If you can't make a claim on the other driver's coverage, then you might have to pay for your own medical bills.
A PIP policy fills this gap. It should cover a range of costs including medical, dental, optometric, and surgical treatments. Your policy might also help you cover the costs of medications and physical aids. You won't have to worry about how you pay for any injuries you sustain in an accident.
Lost Income
Some PIP policies also include lost income benefits. This is useful if you cannot work for a period of time because of your injuries. Here, your insurance helps replace some of your income until you recover enough to go back to work.
Daily Task Replacement Benefits
If you have serious injuries after an auto accident, then you might not be able to complete regular daily tasks. If these tasks are essential, then your policy might pay for you to employ someone to do them.
For example, if you have young children at home and can't look after them while you recover, then your policy might cover temporary childcare costs. You might also get money to pay to have your home cleaned if you aren't up to this job either.
Death Benefits
Some policies also make lost income payments if you die in an accident. If your policy includes survivor benefits, then your insurance company pays some money to your next of kin to compensate for the income they lose after your death.
You might also be able to arrange some funeral coverage as part of your policy. Your insurer will pay some money towards the costs of a funeral service and your burial or cremation.
The coverage you get from a PIP policy varies depending on the insurance company you use. While all policies cover medical expenses, not all coverage includes all the benefits listed here. To get advice on the benefits you need and policies that provide them, talk to car insurance specialists.
Reach out to a car insurance provider for more info.
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