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Choosing Personal Injury Protection

By Scottie McNelly

Personal Injury Protection, also known as PIP, covers you and your passengers from an injury related expense as a result of an automobile accident, regardless of fault up to the limits on your policy.

There are several levels of coverage ranging from $1500 to $250,000. Your insurance agent can let you know what limits are available in your state. Some states require you to purchase this important coverage. For the states that do not require that you purchase it, you will have to sign a waiver to decline the coverage.

What most people do not realize is the value of this protection. Your health insurance doesn’t necessarily cover all the expenses incurred from an automobile accident injury. Personal Injury Protections will pay for your deductible, co-payments and dental or cosmetic injuries in addition to paying the expense of the injuries and other related expenses such as an ambulance ride, care flight, physical therapy, prescriptions, lost wages, and death benefits. Consider the expense of all these important coverage’s when determining what limits best suits your needs.

Personal Injury Protection pays regardless of fault, and covers you when you or insured members are in another vehicle. Personal Injury Protection limit amount are determined by state, and then personal choice on your automobile insurance policy. Be well informed of your options. Know what your personal medical insurance will cover in case of an automobile accident. This will help you make an informed decision when buying or declining PIP. Remember, you insurance agent is licensed and trained to help you determine your needs.

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