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What is Personal Injury Protection and What Does it Cover?

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Getting personal injury protection is crucial when you buy auto insurance in some states. The coverage could help you pay medical bills if you’ve been involved in a car accident. This type of auto insurance also covers surgical services expenses and ambulatory services. Personal injury protection will offer coverage for costs linked to personal injuries sustained from an auto accident. Hiring a Miami accident lawyer will ensure that you get all of your personal injury protection benefits after you’ve been involved in an accident. 

What You Need to Know About Personal Injury Protection

Personal injury protection (PIP) is available in states with add-on insurance or no-fault rules. The coverage can assist in paying your bills if you’ve been slapped with steep medical expenses after an auto accident. It also goes beyond covering medical bills. There are other benefits that the coverage will help defray if you’ve been involved in a car crash. 

Just like the common types of auto insurance, your personal injury protection will cover what you are required to pay. And how much the coverage will cost depends on aspects like age, the coverage that you want, and the vehicle model. It is best to remember that the coverage will vary according to the state. Depending on what you choose and what’s available in the state that you reside in, the personal injury protection might pay the following expenses: 

Rehab Charges

After a car accident, you may need physical rehabilitation. Personal injury protection insurance may offer coverage that doesn’t require you to pay rehab expenses out of pocket. 

Lost Wages

If you find it challenging to work after a car accident, there is a chance that you may lack money to pay your bills or buy food while you recover. During these situations, personal injury protection insurance will cover 60% of your lost income, subject to a $10,000 limit. 

Household Amenities

If you’ve been injured in an accident, you might need assistance in doing things such as yard work and house cleaning. If you have kids, you might need help with childcare. Personal injury protection might offer benefits that assist in paying your expenses. 

Medical Expenses

After an auto accident, medical expenses can build up. But if you have personal injury protection coverage, your bills will be covered. Getting your medical expenses paid will give you peace of mind. It is also crucial to know that you don’t have to be behind the wheel to be eligible for personal injury protection. The coverage might apply if you’ve been hit by a vehicle while walking. 

Death Benefits

If you die in an auto accident, personal injury protection might offer your loved ones death benefits. The payout can be used to meet medical and funeral costs. Your family will have to speak to an accident attorney to understand the process. 

Seek Legal Help

Personal injury protection insurance is helpful if you’ve been involved in a car accident. Depending on where you reside, it might be a compulsory requirement. But if you live in a state where it is optional, you need to consider the costs and options. If you reside in Miami, Florida, you may have to visit and explore your options. 

Flagler Personal Injury Group 

1 NE 2nd Ave #200 Miami FL 33132

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