What does personal injury protection cover?

Personal injury protection (PIP) is a type of car insurance coverage that is designed to provide medical and other related expenses for the driver and passengers in case of a car accident. In this blog, we will discuss what personal injury protection covers and why it is important.

Medical Expenses

Personal injury protection covers medical expenses related to a car accident, such as hospitalization, doctor visits, and medical treatments.

This includes both emergency medical care and ongoing medical care, such as physical therapy or chiropractic care. PIP coverage can also cover medical expenses for any passengers in the car at the time of the accident.

Lost Wages

Personal injury protection can also cover lost wages if you are unable to work due to injuries sustained in a car accident. This coverage can provide a percentage of your regular income to help cover your expenses while you recover from your injuries.

Rehabilitation Expenses

If you need rehabilitation or physical therapy after a car accident, personal injury protection can cover the cost of these services. This can include things like occupational therapy, speech therapy, or any other type of therapy that your doctor recommends.

Funeral Expenses

In the event of a fatal car accident, PIP can cover the cost of funeral expenses. This can include things like funeral services, burial costs, and any other related expenses.

Legal Expenses

Personal injury protection can also cover legal expenses related to a car accident. This can include hiring a lawyer to help you file a personal injury claim or defend against a lawsuit related to the accident.

Other Expenses

PIP can also cover other related expenses, such as transportation costs to and from medical appointments or home healthcare services.

PIP is an important type of car insurance coverage that can provide financial support for medical expenses, lost wages, rehabilitation expenses, funeral expenses, legal expenses, and other related expenses in the event of a car accident. By understanding what personal injury protection covers, you can make an informed decision when choosing car insurance coverage to protect yourself and your passengers.