Personal Injury Protection

Personal injury protection also protects descendents of the insured person, blood relatives and adoption/step and foster children are covered against injuries caused by the accident. Personal injury protection pays for medical and other expenses irrespective of the person responsible for the accident. Personal injury protection also covers pedestrians and passengers of all cars involved in the accident. Personal injury protection provides a safety net against severe injuries or even disabilities that may be caused by car accidents and is thus a useful option. However, the cover provided by personal injury protection has an upper limit and is explicitly stated by the personal injury protection policy. The maximum cover may vary depending upon your driving history, age, drinking problems etc. The upper limit of personal injury protection cover is usually around $ 10,000. Most companies cover medical expenses incurred as a result of a car accident up to three years from date of accidents. An important point to note here is that the personal injury protection policy substitutes incomes only for a year (and that to an upper limit of $ 200 per week) in case a person is disabled within 14 days of the car accident. Most personal injury protection policies provide for funeral expenses up to $ 2000 and loss of service up to $ 5000. Medical expenses have been on the rise for the past few years. As a consequence, the cost of personal injury protection is increasing steadily with the passage of time.

If you get a personal injury protection on one of your cars, it automatically covers all your insured cars. The company however charges a premium for each additional car. Personal injury protection does not cover injuries caused by farming equipment (such as tractors, threshers), fun or off road vehicles and motorcycles. It also does not cover deliberate injuries (both to the insured person and third parties) in organized racing activities or criminal activities. Personal injury protection or medical pay insurance is no error insurance policy. Firstly, payment does not depend on determining who was at fault saving time in payment of claims. Secondly, personal injury protection prevents all parties from the hassle and costs of suing each other to prove the party responsible for the accident and the bills. However, in case of serious injuries or death, personal injury protection policy allows to the policyholders to sue in order to determine who was at fault. Personal injury protection is mandatory in some states of the United States of America including Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah. Not having personal injury protection in these states is a civil offense. Personal injury protection pays up to 80 percent of the medical expenses, low wages and other expenses caused because of the accident.

As mentioned above, one personal injury protection policy covers all cars of the policyholder eliminating the hassle of purchasing separate polices for all cars. Also personal injury protection may be embedded in your car insurance. You need to ensure against duplication by checking your (current) car insurance policy for personal injury protection. Personal injury protection is a personal choice and may vary from person to person. Your driving capability also determines the need of personal injury protection. Different factors help determine the personal injury protection cover and its upper and lower limits. These factors among others include your work environment, your profession, your health condition, your place f residence and your driving skills etc.