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Personal Injury Protection (PIP) Insurance Coverage

Personal injury protection insurance or PIP protects the policy holder from medical bills if they are injured in an accident.  This part of auto coverage applies even if the insured is at fault.  Just bear in mind that each state has a major influence in the rules surrounding this auto insurance coverage.  For instance some states necessitate drivers to have PIP where others don’t.  Each state has a say in what kind of treatments are covered as well.

PIP insurance can go beyond just the driver’s medical bills.  It can also pay for income lost due to an accident if the driver is unable to work.  If this is available to you its worth the extra cost especially if you don’t have disability insurance.   Its also possible for PIP to pay for funeral expenses if the driver is killed.   PIP can also cover medical expenses of others in the car at the time of  accident or if  you are a pedestrian that is hit and injured.

A couple of final notes.  If you are in a state where PIP is not required, find out what your medical insurance covers in the event of an accident.  Call your health insurance provider and find out if their are any gaps in what they cover  (as far as car accidents are concerned).  Use PIP coverage to fill in any gaps.  If you drive with others often PIP can protect you from their medical expenses if in an accident while riding in your vehicle.