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Personal Injury Protection Insurance Coverage – What and for Whom

Personal injury protection insurance is the insurance that takes care of personal injuries in automobile accidents, regardless of who is at fault. It also covers you if you are a pedestrian injured in a traffic accident. This is a convenient and important form of insurance because it doesn’t require the establishment of blame for an accident before paying. Therefore the bills are paid more quickly and the injured parties don’t have to wrestle with the insurance companies or with a lawsuit to establish who pays for whose bills.
To better explain, if you are in an accident and need to go to the emergency room, no matter whose fault the accident was, the personal injury protection insurance will be what helps pay for those bills. Anyone who has had to pay for medical care will tell you that you need to have some way to pay those bills if something ever happens requiring you to be in the hospital or have large medical procedures. Even smaller procedures can be extremely costly. However, personal injury protection insurance is not necessarily required if you have other means of paying for that, including good health insurance coverage or other financial means.
Personal injury protection insurance is not usually required as a part of automobile insurance, but must be offered to you by the company you are buying insurance from. It should be noted, however, that certain states do require policyholders to buy this insurance coverage, including Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah. Personal injury protection insurance is a good idea for those whose health insurance either doesn’t cover car accidents or won’t cover large bills.
This type of insurance varies from state to state and company to company, so it is important to know what you are getting when you sign up for it. Some companies and states offer insurance for just the policyholder, while others offer it for passengers or the people in the other car as well. You will want to take into consideration these high benefit types of insurance, especially if you often carpool or have passengers in the car. Different insurance companies also include different things in their personal injury protection insurance benefits. Some companies only pay for the medical bills and costs for their policyholders, while others will pay for more benefits, including funeral expenses, missed work, and more.
Personal injury protection insurance can be a great aid in making sure you are covered in the event of an automobile accident. However, the premiums can be costly, so you should be sure to check your existing health and other insurance policies to make certain it will be useful to you.…