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February 13, 2017

What does Personal Injury Protection (PIP) cover?

Personal Injury Protection

If you’re shopping around for Tulsa car insurance, you’ll no doubt be faced with a variety of options and coverage plans. If you come across a plan providing personal injury protection though, you might be wondering what exactly that entails. At its most basic level, personal injury protection (PIP) is designed to help you recover lost wages and cover expensive medical bills in the event of an accident. Of course, there is more to PIP than just simply covering bills after an accident, which is what this guide will aim to address.

“No-Fault” Coverage

Otherwise known as “no-fault” coverage, PIP will actually pay out regardless of who was ultimately found to be at fault in the event of an accident. This means that even if you are found to have been the primary cause of an accident, you can still receive the maximum amount of coverage for your unpaid medical bills or lost wages from being too injured to work. In addition, it’s worth mentioning that PIP can also help to cover extraneous expenses that result from an accident, such as lawn care services or transportation fees for moving back and forth between your home and the hospital for rehabilitative care.

It’s Mandatory in Some States

Depending on what state you live in, PIP can be mandatory. Although it’s not mandatory for those seeking Tulsa car insurance, it is still offered as an option. For people who live in places like Florida or Pennsylvania though, it’s a requirement. In addition to PIP being required in different states, there are also different regulations concerning it depending on where you live. For instance, only certain states allow alternative medicines and rehabilitative practices, such as acupuncture, to be covered by PIP.

Designed to Protect Drivers

Although there have been some controversies in the past with drivers who wished to file a lawsuit against an at-fault driver, PIP has ultimately been designed as an alternative to that previous system. In an effort to free up state’s courts, without removing protections from drivers, PIP was designed as something of a compromise. Now, it stands as one of the best means of keeping you safe while you’re out on the road.

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