Tag Archives: Personal injury protection insurance

Do I Need Personal Injury Protection Insurance?

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The reality of life is that humans are prone to making mistakes, which means accidents are bound to happen. For this reason, it is important to have plans in place that provide yourself and your family with a certain level of protection. One of the most common methods of protection in our country is insurance. Insurance policies exist for homes, vehicles, businesses, and of course, people. Men, women, and children commonly have insurance coverage for medical care, dental care, life insurance, and more. Another type of insurance that exists for an individual is called personal injury protection, or PIP. However, this type of coverage is not necessary for everyone. It depends on a variety of factors. Continue reading to learn more about PIP and whether or not you should be considering this is a type of insurance coverage.

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

PIP

Personal injury protection insurance is intended to provide coverage for you or your passengers’ hospital bills and medical expenses that result from a serious accident or injury. These policies are optional in most cases, however, there are some states that make it mandatory. If your state requires this type of personal insurance coverage, then it is the law to have it. States that require PIP are referred to as “no fault” states. This means that when an accident happens, each person’s insurance company pays for their own damages and losses regardless of who is at-fault for the accident. PIP can come with medical, disability, and death benefits, but coverage and limits vary from state to state.

If you live in a state that does not require personal injury protection, you should check with your primary insurance provider before purchasing a plan. Your current medical policy may already provide coverage for damages and losses incurred in an accident. However, if your current medical coverage is not adequate, your provide may suggest adding additional medical coverage to your plan in the case that you or your passengers are ever seriously injured in an accident. It is important for individuals to understand that PIP is not a replacement for medical insurance.

If you or someone you love was recently injured in a car accident, consult with a personal injury lawyer as soon as possible. They have the knowledge and resources necessary to professionally navigate your case and recover the full and fair compensation you deserve after suffering serious injuries from a car accident.

Indianapolis Car Accident Lawyers

Personal Injury Attorney Indianapolis

Personal Injury Attorneys 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 if you are looking for experienced Indianapolis car accident lawyers you can trust. Seasoned attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek are eager to get you the money you deserve after a car accident in Indianapolis. We offer free initial consultations and never collect lawyer fees unless we win your case. Call our office today at 317-881-2700 to schedule an appointment with a licensed personal injury attorney in Indianapolis, IN.

Discussing Personal Injury Protection (PIP)

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In the past weeks, we have discussed several facets of personal medical insurance coverage and liabilities, including medical payments coverage, personal umbrella policies, and personal injury protection. We mentioned that Indiana is a tort state, so additional insurance policies like the aforesaid are not mandatory by law. Nonetheless, they are wise insurance policies to purchase. Continue reading to learn more about personal injury protection (PIP) and how it relates to auto accident insurance coverage.

Call 317-881-2700 to Speak With a Personal Injury Lawyer in Indianapolis Indiana
Call 317-881-2700 to Speak With a Personal Injury Lawyer in Indianapolis Indiana

PIP Insurance Coverage

Personal injury protection insurance is a type of medical payments coverage for drivers and passengers who are injured in a motor vehicle accident. Under this policy, all or a portion of medical expenses and hospital bills (driver and passengers) are paid for no matter who is to blame for an auto accident. No-fault accident states require this type of insurance coverage, but Indiana is not a no-fault state, it is a tort state. For this reason, Hoosiers are not obligated by law to obtain PIP coverage to legally operate a vehicle.

Although most Indiana car insurance policies have a degree of medical expense coverage, and some medical insurance policies cover auto accident injuries, many drivers can benefit from additional coverage by purchasing a PIP plan. If medical expenses exceed insurance coverage limits, a person must pay out-of-pocket for the remaining bill. With a PIP plan, these superlative expenses are covered for both the driver and their passengers.

Conclusion

PIP plans can vary in deductibles, pay limits, and coverage. Depending on the state you live in and the type of coverage you choose, your policies details may vary from another’s. Personal injury protection insurance can cover medical and hospital bills, disability benefits, lost wages, and in some cases, even death benefits. Call your medical insurance carrier to inquire more about PIP coverage options in your state.

Injured in an Auto Accident?

If you were recently injured in a motor vehicle accident that was no fault of your own, contact a car accident attorney for information about your legal rights. You may be entitled to certain compensation for your damages and losses.

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 for information about car accident injury claims in Indianapolis, Indiana. Personal injury attorneys Daniel Craven, Ralph Hoover, and Keith Blazek are happy to answer your questions about filing a car accident injury claim in Indiana. We offer free initial consultations and never collect lawyer fees unless we prevail for you.