Personal injury protection (PIP) is an extension of car insurance available in some U.S. states that bear medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as a "no-fault" coverage, because laws enact it are generally known as fault laws, and PIP is designed to be paid regardless of "fault," or, more precisely, legal liability. That is, even if the person looking for PIP coverage caused the accident, they are entitled to file a claim under the PIP section of their policy. "No-Fault" does not mean that the insurance premium of the person making the claim will not increase. Usually PIP claims are made by an insured driver to its own insurance company, however, there are some exceptions that allow injured persons in an accident to make PIP claims if they do not own a vehicle. State laws and certain policies of insurance companies should be reviewed to see what exceptions are in that country.
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PIP is mandatory coverage in some states. PIP coverage may vary from one state to another both from what is covered and what type of treatment is considered medically and reasonably necessary. For example, in Utah, acupuncture is a permissible medical treatment, while in California it is not. In Texas, PIP coverage will cover medical expenses, eighty percent of lost wages, and someone to take care of the injured party. Some countries also permit PIP claims even if workers' compensation claims exist, while others do not. Some PIP states are the first resort insurance to pay medical bills when injured in a car accident.
In some states, PIP is subrogatable, which means that your insurance carrier will pay your losses, regardless of liability, and then recover (or fertilize) what it pays from the responsible party insurance operator. This generally makes the plaintiff/insured in a much better financial position, because his medical bills are paid, and the insurance operators have to fend for themselves, and after the fact.
PIPs may include, in dollars and prescribed time limits, medical and funeral charges from the insured, others in his vehicle at the time of loss, and any first party if beaten as pedestrians by any vehicle. Basic coverage is for injury to the insured alone, on the basis of the first party, regardless of liability. Again, it's only available in certain countries. A pedestrian who was struck by a vehicle covered by the responsibility of the vehicle.
Many countries that do not have PIP have automatic medical payment coverage (AMP), and some countries have both. AMP is also the first party coverage, regardless of responsibility, but can only be subsidized in some states, and is generally optional.
The AMP and PIP limits range from $ 1,500 to $ 250,000 depending on the injury and state, although many insurance providers have a relatively low limit of $ 5,000. Michigan's Mistake Policy provides unlimited medical and rehabilitation benefits.) Applicants who are involved in car accidents are wise to submit their own insurance information to their medical providers, since third party operators have no legal obligation to pay the plaintiff's medical bills, the first party.
Third party carriers are charged only after their assessment, and any payments before that are considered voluntary. Claiming a claim with a third party carrier is considered a voluntary payment.
Country with mandatory PIP coverage
- Arkansas
- Delaware
- Florida
- Hawaii
- Kansas
- Kentucky
- Maryland (unless the waiver is signed during the policy's initial purchase)
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Oregon
- Pennsylvania
- Utah
Certain countries require insurance companies to offer PIP coverage, but allow the insured to refuse in writing:
- Washington After you deny coverage, it stays the same way until you request it added or start a new policy.
- Texas
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Personal injury protection may also refer to insurance or personal insurance coverage, which is insurance in any context that includes coverage for personal injury, especially protection for emotional distress (usually due to negligence from emotional distress rather than intentional, deliberate), slander, or defamation as opposed to coverage only for bodily injury. Home insurance usually includes liability for liability arising from bodily injury, especially in the place of insured, but not from the responsibility arising from mental injury. Coverage of mental injuries can be included and is usually called "personal injury" coverage.
References
Source of the article : Wikipedia
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