Car Insurance Personal Injury
Personal Injury Protection (PIP) is an extension of auto insurance available in some US states that covers medical expenses and, in some cases, lost wages and other damages. The PIP is sometimes referred to as \no-fault\ coverage because the laws that apply it are generally known as no-fault laws, and the PIP is designed to be paid without regard to \fault\ or, more exactly, to the legal responsibility. That is, even if the person applying for PIP coverage caused the accident, they have the right to make a claim under the PIP portion of their policy. No-Fault does not mean that the insurance premium of the person making the claim will not increase. Usually, a PIP driver makes a PIP claim to his own insurance company, however, there are several exceptions that allow people who have been injured in an accident to make a PIP claim if they do not own a vehicle. State legislation and the policy language of the insurer must be examined to see what exceptions exist in that state. PIP is a mandatory coverage in some states. PIP coverage can vary from state to state in terms of what is covered and what types of treatments are considered medically necessary and reasonable. For example, in Utah, acupuncture is an authorized medical treatment, while in California it is not. In Texas, PIP coverage will cover medical expenses, eighty percent of lost wages and someone to take care of the injured part. Some states also allow PIP applications even if a workers' compensation claim exists, while others do not. Some PIP states are first-line insurance to pay for medical expenses when injured in a motor vehicle accident. In some states, PIP is subrogatable, which means that your insurance company will pay for your loss, regardless of liability, and then recover (or subrogate) what it has paid from the insurer of the responsible party. 1 This usually leaves the provider / insured in a much better financial position, because his medical bills are paid, and insurance companies can fight alone and after the fact. The PEP program can cover, within the dollar and time limit, the insured's medical and funeral expenses, other persons in his vehicle at the time of the loss and any first person if a vehicle strikes him as a pedestrian. Basic coverage is for the injury of the insured, on the basis of the first part, regardless of liability. Again, it is only available in some states. A pedestrian hit by a vehicle is covered by this responsibility. Many states that do not have PIPs have automatic payment coverage (AMP), and some states have both. AMP is also a first-party cover, regardless of responsibility, but is only subrogable in some states, and generally optional. The AMP and PEP limits range from $ 1,500 to $ 250,000 depending on the injury and condition, although many insurance providers have a relatively low limit of $ 5,000. A no-fault policy from Michigan offers unlimited medical and
