Accidents do happen and people sustain injuries, you need an insurance that not only covers your car but also helps you to cover for the expense that you get as a result of the car accident. Personal injury protection is an insurance that covers expenses caused by injuries sustained in a covered auto accident. Medical bills, hospital bills are some of the expenses that are covered. It is meant to be paid without regard to fault. Personal injury protection is an extension of auto insurance. It can help to supplement your health insurance and the coverage policy will depend on the state you live in. The coverage is mandatory in 13 states.
Who can be covered in the personal injury protection insurance?
The personal injury protection can cover a number of people. Below is a list of those who can benefit from the cover.
- The person who is named in the policy.
- Anyone who is related to the policy holder by blood, marriage or even adoption
- Anyone who was involved in the accident even if they are pedestrians and non-family.
Benefits of personal injury protection insurance
The following are some of the benefits you will experience when you have personal injury protection:
- The insurance will cover for your household replacement services
After an auto accident you might have to hire someone to help with some of the duties or activities you did engage in before the accident. The personal injury protection will help you to meet some of the cost of paying the person you will hire. If you sustain serious injuries and you need an attendant care then they will also pay for the bills regardless of whether they are family members or nurses.
- Medical expenses
Personal protection injury insurance is meant to cover your medical expenses in case of an auto car accident. It may cover all of your medical expenses inclusive the ones that should be covered by your health insurance.
- Medical mileage
If you are involved in a car accident and you sustain injuries that require you to visit the hospital regularly then it can be quite expensive. Well if you have a personal injury protection cover you do not have to worry about transportation cost, they will be compensated by it. All you need to do is keep a good record of your mileage expenses and submit them to your insurance company along with your other medical bills.
- Wage loss
You will be reimbursed for any wage you have lost as a result of the injuries you sustained in the auto accidents till the statutory monthly maximum which is adjusted annually. The wage loss can be paid up to three years since the auto accident happened.
Personal injury protection you will have to pay higher premiums than other types of insurance. Before you decide on settling for a certain insurance company personal injury protection policy shop around and do a cost analysis that is relative to the price of collision so that you get the best price that you will pay the premiums comfortably.