If you get injured in a car accident, you might need help covering your medical costs and rehabilitation. Personal injury Protection (PIP), also known as no-fault insurance, is a policy that covers such expenses. It often includes costs not covered by health insurance, such as lost wages. Depending on where you live, it could be an optional coverage of the required policy add-on.
PIP coverage pays for medical expenses in a car accident, regardless of who was at fault. It could also extend to pedestrian or cycling accidents. Nonetheless, some people feel that the policy overlaps with health insurance.
If you have been injured in a car accident, discuss your legal options with an expert Huntington Beach Personal Injury Lawyer at El Dabe Ritter Trial Lawyers.
What Is Covered by PIP Insurance?
Personal injury protection (PIP) insurance covers medical expenses and lost wages resulting from an injury if no fault is established. It usually includes you and the people present in your vehicle during the accident. Essentially, PIP policies do not cover property damage or other losses that are not directly related to your injuries.
PIP insurance is subject to a limit of liability. This means that it will only cover your expenses to a specified limit. If there are remaining costs, you might be forced to pay for them out-of-pocket or from damages paid by the at-fault driver.
Here are some expenses included in a PIP coverage:
- Medical bills — Testing, hospital stays, treatment, medication, surgery, ambulance costs, therapy, and rehabilitation.
- Lost wages — Some PIP policies pay out a percentage of lost wages resulting from your injuries. The reimbursement will usually depend on your insurance holder or state laws.
- Death benefits — If someone is killed in an accident, PIP coverage can pay out a small amount to the victim’s dependents.
- Essential services — If your injuries make you unable to perform necessary activities such as child care and house cleaning, PIP can offer a reimbursement.
What Is Not Covered by PIP Insurance?
PIP insurance often has exclusions that could make you ineligible for reimbursement. For starters, it does not cover any losses not related to your injuries. This includes damage to your vehicle or other property. Other common exclusions on PIP insurance include situations where:
- You caused the accident intentionally.
- You were driving your car for a fare, such as a taxi.
- You were committing a crime or fleeing from the police.
- Your vehicle is not insured.
- Your injuries were caused by human activity such as war or a nuclear explosion.
Contact a Huntington Beach Personal Injury Lawyer Today
Personal injury Protection (PIP) can come in handy where liability for a car accident cannot be determined. However, in states where insurance is not a legal requirement, it is crucial to explore the question, is personal injury protection worth it?
Without PIP insurance, you might be forced to fall back on your health insurance. You could also need to sue the at-fault driver for reimbursement. This can be a challenge where fault cannot be determined.
The best way to determine if you need PIP insurance is to consult an experienced Huntington Beach Personal Injury Lawyer. Contact El Dabe Ritter Trial Lawyers to schedule a free consultation.