Personal Injury Coverage

Personal injury coverage, or PIP, is the component of a no-fault insurance policy that covers medical expenses. What medical expenses in particular it covers and the limits per person and per accident vary according to policy and provider.

Most car insurance companies choose which medical expenses to cover by what they consider to be 'necessary and reasonable.' What is necessary and reasonable? Some companies are governed by state regulations. Others may pad the policy a bit. Regardless, make sure you know for sure what is covered before purchasing a policy.

Some expenses that you should expect to find covered in most personal injury coverage policies include:

• Most medical costs
• Hospital costs
• Income continuation
• Lost wages
• Funeral costs

Coverage for child care costs and bodily injury incurred as a result of an accident may be available in some states. Again, be sure to ask your insurance provider for details on any policy you are considering.

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Who needs personal injury coverage?

It depends on what other auto insurance coverages are owned and what the state requirements are. Some states require a minimum amount of personal injury coverage, even if you have invested in comprehensive coverage and collision coverage. Disability insurance will cover almost all of the same things that personal injury coverage pays for, so spread out all your insurance policies including health insurance, insurance through work, and others to make sure that you are not buying extra coverage that you do not need.

How much personal injury coverage do I need?

Again, this depends on the medical coverage that you have through other plans and the amount of personal injury protection that you are required to keep by your state of residence. Check your state insurance requirements and ask your insurance agent for help finding the best policy possible without unnecessarily doubling your coverage and your costs.

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