The Different Types of PIP

The Different Types of PIP




There are many different types of insurance to protect yourself from personal injury. One of these is personal injury protection. PIP is an extension of your car insurance. In the event of a car accident, it will cover any accidents that happen when you are involved in a car accident.

Personal Injury Protection will help with medical bills, lost salary from loss of work, and other types of damages that may have occurred. PIP is a “no fault” kind of insurance. This kind of insurance method that it does not matter who is at fault in the car accident, PIP will cover your personal injury costs no matter what. In the following states, PIP is mandatory.

· Hawaii

· Kansas

· Colorado

· Florida

· Michigan

· Kentucky

· Massachusetts

· New York

· North Dakota

· New Jersey

· Pennsylvania

· Utah

· Puerto Rico

· Minnesota

· Texas

· Oregon

PIP is usually limited to how much you want to buy. consequently the coverage you have could range from a thousand to two hundred fifty thousand. But how much should you buy? Generally, if you don’t have health insurance, it is wise to buy a large amount of PIP in case you are seriously injured in a car accident and want medical expenses covered. Also, if you have frequent passengers PIP would be a wise thing to have. On top of that there are also different kinds of coverage within PIP. In some states you have the option of choosing from a variety of plans.

complete dominant: It is the dominant coverage in a car accident. Meaning that if you or your passengers sustain injuries this coverage will pay for funeral costs, medical expenses, and other sets.

complete Health dominant: This coverage is put in place if you already have existing healthcare coverage to cover the costs related to being in a car accident. This will also cover funeral costs, medical costs, and other sets.

Medical Only dominant: Covers only the medical expenses related to a car accident that involves you and your passengers.

Medical Only Health dominant: Should be purchased if you have health insurance already. It also only covers medical expenses unlike complete health dominant.




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