If you’ve been in a car accident, you may be wondering if you need personal injury protection (PIP). PIP is a type of insurance that can help cover your medical expenses and lost wages if you’re injured in a car accident. In some states, PIM is mandatory, while in others, it’s optional. So how do you know if you need PIP? Read on to find out.
Understand What It Covers
PIP is a type of no-fault insurance, which means that it can help cover your injuries and expenses regardless of who was at fault for the accident. PIP typically covers:
- Medical expenses: PIP can help cover your medical bills, including hospitalization, surgery, ambulance fees, and more.
- Lost wages: If you’re unable to work because of your injuries, PIP can help to cover your lost wages.
- Funeral expenses: In the event of a fatal accident, PIP can help to cover funeral costs.
You will typically need to file a claim with your own insurance company to receive these benefits. You may also be required to submit documentation, such as medical records and police reports, to support your claim.
Do You Need PIP?
Now that you know what PIP covers, you may be wondering if you need it. As we mentioned, whether or not you need PIP is determined by your state’s laws. In some states, PIP is mandatory, while in others, it’s optional.
Additionally, even if PIP is not required by law in your state, your insurance company may still offer it as an option. If you’re considering whether or not to add PIP to your policy, you’ll need to weigh the costs and benefits. But always remember, having more insurance that protects you in the event of an accident is always better than having too little.
As you can see, personal injury protection can be a helpful type of insurance to have if you’re involved in a car accident. Call DePaulo Agency in Scotia, NY to get a quote for PIP insurance. Please don’t wait until it’s too late; get protected today.