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PIP stands for personal injury protection or personal insurance protection. It is an add on line of insurance.
PIP will cover
- Medical expenses
- Lost wages
- Transportation to medical appointments
- Property repairs
- Service replacement of someone injured in a covered car accident
- Rehabilitation costs
- Funeral costs
Cheap Car Insurance New York recommends that you contact your agent to learn exactly what is covered under a PIP.
If you have PIP insurance you can get benefits even if the accident was your fault.
PIP insurance is mandatory in the following states:
- New Jersey
- New York
- The District of Columbia
- North Dakota
If PIP iѕ nоt mаndаtоrу in уоur ѕtаtе, there is still reason to purchase PIP. If you were to get in an accident the PIP will pay up to 100% depending on your coverage minus deductibles.
How PIP differs from medical payments coverage
PIP insurance and medical payments coverage are very similar. However there is an important difference. They both pay for medical payments . Medical payment coverage will pay for your medical costs along with your passengers even if you are at fault. But, doesn't cover lost wages, funeral costs, rehabilitation costs, and services that you may not be able to do as a result from the accident.
When you get personal injury рrоtесtiоn, Cheap Car Insurance New York recommends that you look at your current policy and see if adding PIP is necessary. There may be duplicate coverage. An existing health insurance coverage may already take car of something that a PIP is offering to insure. If that is the case then there is no point in mirroring coverage. How you drive can also play a role in having personal injury protection or not. Do you have passengers regularly? It would be necessary if you wanted to cover your passengers medical expenses as well as your own in the event of an accident. If they have there own health insurance then it might not be necessary to purchase PIP. Maybe they are not adequetely protected. In this case any раѕѕеngеr riding in your car is your responsibility.