Too Kind Studio
  • Home
  • Education
    • Education

      5 Tips for Hiring a Speeding Ticket Lawyer

      Education

      Top 6 Effective Tips for Co Parenting After Divorce

      Education

      How to Become a Tax Accountant

      Education

      Can You Replace a Lost High School Diploma? 5 Things to Know

      Education

      What Does Flood Insurance Cover and Not Cover?

  • Health
    • Health

      Here’s How to Start a Healthcare Business the Right Way

      Health

      Tick Bites on Dog: 6 Tips to Get Rid of Them

      Health

      A-Z Guide on Dental Cheek Retractor

      Health

      Contact Lens Wearers Beware: Acanthamoeba Keratitis

      Health

      The Complete Guide to Preparing for Childbirth: Everything to Know

  • Technology
    • Technology

      3 Ways AI Models Are Used in Autonomous Vehicles

      Technology

      How Do Guns Work? The Key Things to Know

      Technology

      How Will We Achieve Net Zero Emissions?

      Technology

      What Cable Equipment Do You Need for Internet Services?

      Technology

      How to Find a Manufacturer in China

  • Games
    • Games

      Australian Online Pokies vs. Live Pokies – The Pros & Cons

      Games

      The Last Big Video Game Releases Of 2021

      Games

      What things parents should do for their 2 years, old kids?

      Games

      The Complete Guide to Online Gambling

      Games

      How to Place a Bet on Your Top NFL Picks

  • Softwares
    • Softwares

      How to Manage Stress at Work

      Softwares

      Microsoft Office Specialist Certification: What You Need to Know

      Softwares

      Cost And Features To Develop Clinic Management Software

      Softwares

      What Is PLC Programming? A Tech Guide for Newbies

      Softwares

      Microsoft Teams vs Slack: Which Is Right for Your Office?

  • Travel
    • Travel

      13 Terrific Health Benefits of Traveling

      Travel

      What Is Bodily Injury Coverage, and Do You Need a Lawyer?

      Travel

      5 Whitetail Deer Hunting Tips to Know Before Your Next Trip

      Travel

      What Should You Pack For Your Camping Trip? 5 Items You Can’t…

      Travel

      Private Car Service 10 Most Important Tips Which Save Your Time And…

  • Lifestyle
    • Lifestyle

      6 Incredible Reasons for Starting a Podcast

      Lifestyle

      The Most Visually Alluring Timepieces for Men From Tommy Hilfiger

      Lifestyle

      Discover Tudor’s Classic, Sport, Diving, and Heritage-Inspired Timepieces

      Lifestyle

      How to ace online dating?

      Lifestyle

      What Really Goes On At a Distribution Center

  • Food
    • Food

      Food

      Food

      Food

      Top Tips For Finding the Best Persian Restaurants

      Food

      Top Indian Restaurants In Houston You Must Visit This Year

  • Fashion
  • News

6 Hunting Rifle Shopping Mistakes and How to Avoid Them

3 Ways AI Models Are Used in Autonomous Vehicles

Here’s How to Start a Healthcare Business the Right Way

How to Find the Best Divorce Lawyer Near Me?

5 Tips for Hiring a Speeding Ticket Lawyer

3 Small Business Management Tips to Boost Your Profit

How to Launch Your Small Business Idea

The Best Invoice Makers That Are Easy to Use

Gas Chromatography: Best Practices For Using GC Vials

How Do Guns Work? The Key Things to Know

News

What Is Personal Injury Protection Insurance?: A Complete Guide

by Michael George September 7, 2020
written by Michael George September 7, 2020

 

When you have a car, putting insurance is something many adults don’t want to but have to do because of the monthly expense. The average annual rate for car insurance is $1,500 to $6,000 depending on the state you reside in. However, the money you put ends up being a lifesaver when you are involved in an accident, whether it is your fault or not.

Some new and veteran drivers may not know there’s more than one type of car insurance. When you are shopping, you want to find the best price for what you can get covered. For example, what is personal injury protection and what does it offer you as a driver? Keep reading to learn how to shop smart and pick which coverage is best for you.

What Is Personal Injury Protection?

Personal injury protection (PIP) is an extension you can add to your car insurance. With it, you have medical expenses covered, and in many situations, compensation for any lost wages.

You may also receive compensation for emotional pain and recovery. Many people know PIP as “no-fault” coverage since it provides extensive pay to the individual(s) who is at fault in the event of an auto accident.

This isn’t to say the person at fault receives nothing. They will, but it is often a lesser amount. You are required to have PIP coverage in 12 states, including Puerto Rico. While it is optional for the rest, it is an addition you shouldn’t skip on.

What Is Covered vs What Isn’t Covered in PIP?

The amount of coverage you get depends on the state you live in and the type of insurance provider you sign up with. Overall, this coverage is made to cover expenses unrelated to bodily injury.

What Personal Injury Protection Covers

You will receive compensation for medical expenses. It covers medical and surgical treatments, ambulance and transport fees, as well as medical supplies and devices. If you are unable to return to work following an accident or require substitute services to help you complete household tasks (cleaning) PIP will pay for this.

In the event a person passes away, PIP may even help pay for funeral-related expenses.

What Personal Injury Protection Does Not Cover

There are limits to what PIP insurance covers though. If you have an injury or bill unrelated to the car accident, you will not receive aid.

Although this may be obvious, there are cases that may be tricky or intertwine with this issue. This makes receiving the money you need harder.

Let’s say you suffer from a medical condition like arthritis and after a car accident, your condition is worse. Maybe you had to take extra visits or extra conditions you would not need before if it weren’t for the accident. Proving this can be very difficult on your own.

If you are involved in a car accident, you should always get a lawyer to help you with your case in order to receive the maximum compensation you deserve. Visit this page to speak with personal injury lawyers and receive a free evaluation. Other examples of payments not included in PIP insurance includes:

  • No coverage for damage to your vehicle (you need collision coverage)
  • No coverage for auto theft (you need comprehensive coverage to pay or replace the car)
  • No coverage for medical expenses that exceed coverage limits (in rare cases, there may be an exception)
  • No average for damage related to another’s property (you need liability insurance)

There are many types of add-ons you can pick when you get car insurance. It is important to understand how each of them works so you can build protection that’s right for you.

How Does PIP Coverage Work?

Personal injury protection offers aid anytime expenses are needed after an accident, but in order to get the best coverage, you should know how it works. PIP coverage is buildable with a coverage limit of up to $10,000 to $50,000.

If you decide to get $10,000 of PIP coverage, you can expect the monthly premium to be about $140. The minimum amount you can add is about $2,500.

The amount of coverage you request is the max coverage you will receive help with. You should speak with an insurance agent if you want to learn more about how PIP works to decide on a package that’s best for you.

Difference Between Personal Injury Protection and Liability Insurance

You shouldn’t confuse personal injury insurance with liability insurance. Many people who shop for insurance believe if they have or get liability insurance, it’s enough or it’s one and the same. It’s not.

Liability insurance is different because it is required in all states, with the exception of Virginia and New Hampshire. It pays for any injuries another person causes for everyone involved in the accident.

Personal injury protection covers everything else that is not related to direct injury. Although liability insurance is mandatory in most states, you are able to customize the amount of protection. You will see these limits shown as split limits or they are combined as a single limit.

You create the “limit” you want by deciding on an amount. Most drivers add liability insurance with personal injury protection and property damage coverage. There’s also professional liability insurance for businesses.

Stay Protected While Driving

Auto companies offer car insurance to drivers for a reason. When you are on the road, anything can happen. You can get hurt or you may hurt someone else. Sorting out car accidents comes with a financial price.

What is personal injury protection? It’s a type of coverage that allows you to get compensation for medical bills and other expenses outside bodily injury. Getting money for injuries you sustain is often not enough. You need more. When you add PIP and find yourself in a car accident, you have the comprehensive help you need.

Did you find this article helpful? You can read similar articles like this and more by checking out other blogs on our website.

Car Accident
0 comment
0
FacebookTwitterPinterestEmail
Michael George

previous post
BZFuture Presents Certified Kaspersky Internet Security Keys
next post
Paraphrasing Tool That Has Been Verified for Accurate Result

Related Posts

Esthetician vs Aesthetician: What’s the Difference?

March 10, 2022

Tap vs. Bottled Water: Which One Should I...

June 4, 2021

May 29, 2021

WOW! Gazeteler is a great website for reading...

March 19, 2021

Joe Biden i jego nowa polityka

March 5, 2021

Elon Musk daje 100 milionów dolarów na walkę...

March 5, 2021

This Is the Difference Between Murder and Manslaughter

February 28, 2021

What should you practice for making you perfect...

February 24, 2021

Renting Gym Equipment: How It Can Help You...

February 23, 2021

Benefits of Test and Tag Of Electrical Appliances...

February 23, 2021

Leave a Comment Cancel Reply

You must be logged in to post a comment.

Posts Slider

6 Hunting Rifle Shopping Mistakes and How to...

May 18, 2022

3 Ways AI Models Are Used in Autonomous...

May 18, 2022

Here’s How to Start a Healthcare Business the...

May 18, 2022

How to Find the Best Divorce Lawyer Near...

May 18, 2022

5 Tips for Hiring a Speeding Ticket Lawyer

May 16, 2022

Recent Posts

  • 6 Hunting Rifle Shopping Mistakes and How to Avoid Them
  • 3 Ways AI Models Are Used in Autonomous Vehicles
  • Here’s How to Start a Healthcare Business the Right Way
  • How to Find the Best Divorce Lawyer Near Me?
  • 5 Tips for Hiring a Speeding Ticket Lawyer

Related Posts

  • Esthetician vs Aesthetician: What’s the Difference?

    March 10, 2022
  • Tap vs. Bottled Water: Which One Should I Choose?

    June 4, 2021
  • May 29, 2021
  • WOW! Gazeteler is a great website for reading all type news and newspaper name

    March 19, 2021
  • Joe Biden i jego nowa polityka

    March 5, 2021

Newsletter

Subscribe my Newsletter for new blog posts, tips & new photos. Let's stay updated!

Subscribe Newsletter

Subscribe my Newsletter for new blog posts, tips & new photos. Let's stay updated!

  • Facebook
  • Twitter
  • Instagram
  • Pinterest
  • Linkedin
  • Tumblr
  • Youtube
  • Github
  • Reddit
  • Privacy Policy
  • Terms & Conditions
  • About
  • Contact

@2020 - 2022 . Too Kind Studio. All Right Reserved.

Too Kind Studio
  • Home
  • Education
    • Education

      5 Tips for Hiring a Speeding Ticket Lawyer

      Education

      Top 6 Effective Tips for Co Parenting After Divorce

      Education

      How to Become a Tax Accountant

      Education

      Can You Replace a Lost High School Diploma? 5 Things to Know

      Education

      What Does Flood Insurance Cover and Not Cover?

  • Health
    • Health

      Here’s How to Start a Healthcare Business the Right Way

      Health

      Tick Bites on Dog: 6 Tips to Get Rid of Them

      Health

      A-Z Guide on Dental Cheek Retractor

      Health

      Contact Lens Wearers Beware: Acanthamoeba Keratitis

      Health

      The Complete Guide to Preparing for Childbirth: Everything to Know

  • Technology
    • Technology

      3 Ways AI Models Are Used in Autonomous Vehicles

      Technology

      How Do Guns Work? The Key Things to Know

      Technology

      How Will We Achieve Net Zero Emissions?

      Technology

      What Cable Equipment Do You Need for Internet Services?

      Technology

      How to Find a Manufacturer in China

  • Games
    • Games

      Australian Online Pokies vs. Live Pokies – The Pros & Cons

      Games

      The Last Big Video Game Releases Of 2021

      Games

      What things parents should do for their 2 years, old kids?

      Games

      The Complete Guide to Online Gambling

      Games

      How to Place a Bet on Your Top NFL Picks

  • Softwares
    • Softwares

      How to Manage Stress at Work

      Softwares

      Microsoft Office Specialist Certification: What You Need to Know

      Softwares

      Cost And Features To Develop Clinic Management Software

      Softwares

      What Is PLC Programming? A Tech Guide for Newbies

      Softwares

      Microsoft Teams vs Slack: Which Is Right for Your Office?

  • Travel
    • Travel

      13 Terrific Health Benefits of Traveling

      Travel

      What Is Bodily Injury Coverage, and Do You Need a Lawyer?

      Travel

      5 Whitetail Deer Hunting Tips to Know Before Your Next Trip

      Travel

      What Should You Pack For Your Camping Trip? 5 Items You Can’t…

      Travel

      Private Car Service 10 Most Important Tips Which Save Your Time And…

  • Lifestyle
    • Lifestyle

      6 Incredible Reasons for Starting a Podcast

      Lifestyle

      The Most Visually Alluring Timepieces for Men From Tommy Hilfiger

      Lifestyle

      Discover Tudor’s Classic, Sport, Diving, and Heritage-Inspired Timepieces

      Lifestyle

      How to ace online dating?

      Lifestyle

      What Really Goes On At a Distribution Center

  • Food
    • Food

      Food

      Food

      Food

      Top Tips For Finding the Best Persian Restaurants

      Food

      Top Indian Restaurants In Houston You Must Visit This Year

  • Fashion
  • News

Porn Online

  • xxx porno
  • videos de sexo anal
  • filme porno