Do I Need Personal Injury Protection if I Have Full Coverage Auto Insurance?

If you live in a state where personal injury protection (PIP) is required, you will still need the PIP even if you have health insurance. However, even if it's not mandated in your area, PIP insurance offers several advantages that you won't get from a health insurance policy, such as coverage for lost wages and funeral expenses. Medical payment coverage, also known as MedPay, covers medical expenses for injuries related to an accident, regardless of fault. In certain states, like New Jersey and Michigan, your PIP coverage can be combined with your health insurance policy.

The total cost of PIP insurance will depend on your policy's coverage limit and deductible, as well as the state in which you live. The PIP is designed to cover any injuries you suffer as a result of an accident, regardless of who is at fault, and includes other benefits too. Additionally, the cost of your PIP premium is determined by factors such as the type of coverage you want, your age, and the make and model of your car. Medical payment coverage is a type of car insurance policy that can help you pay your medical bills after an accident.

However, if your state has a low limit on the amount of PIP insurance you require, a medical payments policy may provide supplemental coverage. Your car insurance provider can also approve partial reimbursements or even have you examined by a medical provider of your choice. PIP insurance differs from bodily injury liability insurance in the sense that, while PIP coverage covers your own expenses, liability insurance pays for the medical expenses of drivers and passengers of other cars when you're at fault in an accident. Nevertheless, if you suffer a significant and permanent injury, or if your medical bills exceed the liability threshold established in your state, you can bypass PIP coverage and file a lawsuit against the other driver. If you're injured by another driver and have personal injury protection as part of your auto insurance policy, you'll usually exhaust your PIP coverage first before turning to other options. Personal injury protection is a particular type of car insurance that covers hospital bills, medical costs, and lost wages if you are injured in a car accident.

Gertraude Jackel
Gertraude Jackel

Avid food trailblazer. Unapologetic pop culture geek. Extreme twitter maven. Devoted beer trailblazer. Infuriatingly humble twitter scholar.