What is personal injury protection coverage?
Personal injury protection coverage or PIP is the type of insurance coverage that pays for reasonable medical expenses incurred due to injury to you or a passenger relating to a car accident. With PIP coverage it doesn’t matter who is at fault for the accident. In order to protect yourself and any passengers in your car you should carry more than the basic Liability coverage. You should carry an adequate amount of Uninsured or Under-insured Motorist coverage and Personal Injury Protection coverage insurance. Uninsured and Under-insured Motorist coverage help protect you if the other vehicle is at fault and they do not have insurance or do not have adequate insurance to cover your damages. Uninsured motorist situations, your insurance will pay you and your passengers an amount that goes up to the limits of your own insurance policy. The most problematic insurance problems are when the driver does not have enough under their coverage to compensate the injured parties for the total amount of their damages. This happens all the time and it is important to look at your policy and raise your limits wherever you can. An under-insured motorist is someone who’s injury insurance is not sufficient to completely compensate the injured person for their injuries. The injured person would be compensated by the insurance company of the at-fault driver up to their policy limits, then the injured party could seek compensation from their own insurance company. Brad Pistotnik Law knows all about the insurance companies and their tactics. Brad Pistotnik would like to answer your insurance questions after your accident. Call for a free consultation now to Know Your Rights!