The person who will handle your insurance claim for injury compensation after the accident is called a claims adjuster . He or she may want to take a recorded statement from you regarding the facts of the accident, the damage to the vehicles, and details about your injury. It is the adjuster’s job to gather as much information about the accident to determine how much the personal injury claim is worth. The adjuster’s goal is to mitigate any damages for the insurance company, thereby reducing the over all pay out for settlement of the claim . You need to be honest with them, but be careful about your word choice. Personal injury protection (PIP) insurance is a measure you can take to cover for the medical bills you would have to pay in case you suffer any injury in an accident regardless of who is at fault. Accidents can be very taxing, painful in the body as well as to the pocket. If you have personal injury protection, you can stop worrying about any medical bills.
COORDINATION OF BENEFITS PIP benefits are primary over other insurance coverage, except that workers’ compensation benefits received will be credited against PIP benefits. This means that your PIP insurer is ultimately responsible for payment of your claim. How this works in a specific situation depends upon the contract language in the other insurance policy.
If you wonder why we recommend PIP coverage so highly, or have any questions regarding this coverage, call us at the number below. We also recommend that you speak with your agent today and review the resources listed in this brochure.
In many instances, your right to PIP benefits may not be disputed. Filing and obtaining PIP benefits may be as simple as filling out and submitting a claim form with the carrier. The best way to discover whether you have PIP coverage is to call your agent today. You may also wish to check the declaration sheet that you received from your auto insurance company.
Personal Injury Protection coverage does not only apply to the person driving his own vehicle. PIP benefits can also apply to passengers in the insured’s automobile, or to drivers whom the insured has given permission to drive his or her automobile. This depends on whether or not the injured person(s) own a car themselves. PIP coverage follows the person. If a driver or passenger does not own a vehicle, and they are injured in someone else’s car, the vehicle owner’s insurance would provide benefits for the person who did not own a vehicle. However, if the passenger or driver owns a vehicle, that person’s PIP insurance would be the applicable coverage.
Personal injury protection is one of the most misunderstood forms of car insurance coverage, but it is a very important type of coverage. Often abbreviated PIP, personal injury protection provides benefits for the driver and passengers of a vehicle after injuries are sustained in an accident. It is very good coverage for drivers who commute often because it protects them from significant financial liability if their passengers are injured. It is also very worthwhile coverage for drivers who do not have a tremendous amount of medical insurance coverage. Sometimes, however, personal injury protection is just not a smart form of auto insurance. In some states, it is a required form of coverage that drivers must carry at all times in order to operate a motor vehicle legally.
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