Personal injury protection, or PIP, pays medical bills after a car accident. It protects the injured party in a variety of circumstances, including car crashes, falls, and workplace injuries. PIP also covers loss of wages and household services, and is sometimes called no-fault coverage. Purchasing PIP is an excellent way to avoid the high costs of medical bills. Here are some reasons to buy PIP for yourself.
PIP is necessary in no-fault states because it pays for medical expenses, even if the injured person was at fault. In other words, PIP pays for your medical bills even if you were riding your bicycle or walking. Liability coverage from the at-fault party’s auto insurance won’t cover such expenses. PIP also pays for injuries suffered while walking or biking. PIP can be a lifesaver if you are in an accident.
PIP is different from bodily injury liability insurance in that it covers you and other passengers in your vehicle. Although it may provide some of the same coverage as health insurance, it is designed to cover medical expenses incurred in a car accident. PIP also covers additional medical expenses not covered by your health insurance. Similarly to health insurance, PIP may also cover the expenses of other drivers who caused the accident. It is recommended to take PIP coverage in case you are involved in a car accident.
PIP covers injuries to the insured driver and passengers in another vehicle. However, it does not cover property damage. While PIP covers the expenses of medical bills, it does not cover damages to another person’s vehicle or property. If you hit a pedestrian, the other driver’s car insurance might pay for your injuries. When PIP is used for personal injury protection, the injured driver is protected against medical bills up to the limit of PIP.