Personal Injury Protection: Everything You Need To Know

​Most insurance policies care if you are at fault in an auto accident, but sometimes you get paid even when you are at fault. There is a reason personal injury protection is also known as "no-fault insurance," and this is not far from the point that it covers auto-related injuries even though you are at fault. Everything you need to know about personal injury protection and the benefits of applying is covered in this article.

What is Personal Injury Protection?
Personal injury protection is an insurance policy that covers injuries sustained by you or your passengers involved in an auto accident, regardless of who is at fault. It is available in 15 states in the US and covers both medical and recovery expenses when you are involved in a car accident. 

What does personal injury protection cover?

• Medical expenditures
• Cost of responsibilities you can not handle yourself due to the injury
• Income lost as a result of the wounds
• Therapy cost
• Funeral and burial expenses

Is Personal Injury Protection Different from Health Insurance?
While personal injury protection may cover earnings lost due to an accident up to the state's limits, health insurance may not. PIP may also apply to you if you are involved in a car accident as a pedestrian or cyclist. 

How Many No-Fault States Are There?
There are 15 states where personal injury protection is required and five states where it is optional. In states where it is optional, PIP can assist in covering costs that your health insurance may not cover, such as your deductible, missed earnings, replacement services, and burial costs.

How Do I File for Personal Injury Protection?
After an automobile accident, you must submit a claim to Jacobs Insurance Solutions for personal injury protection insurance benefits. They should examine your claim after you've submitted it and disburse your benefits to compensate for your costs. Your PIP is also calculated according to the state limit, which should be determined after a medical expert examines you.

Do I Need a PIP?
For many reasons, you may need to get personal injury protection insurance, especially one who has a car or uses the road. You never can tell when one might be involved in a serious car accident that may require costly treatment or even make one lose their job. Having personal injury protection helps take those fears away and gives peace.

Conclusion
Few individuals know that their insurance may pay out even if they are at fault in a vehicle accident. When you apply for personal injury protection insurance, you benefit because personal injury protection insurance is designed for persons in this group.

At Jacobs Insurance Solutions, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, don't hesitate to contact our agency at (817) 485-8989 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!