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Automobile Personal Injury Protection
Personal Injury Protection insurance is very similar to Medical Payments insurance. Although it can vary significantly depending on what state you live in, Personal Injury Protection (or PIP) covers you and others, regardless of fault, for:
- Medical bills and medical related payments
- Reimbursement for certain other expenses you may incur as a result of being injured, such as lost wages and/or the need to hire someone to take care of your home and family.
The largest difference between Medical Payments and Personal Injury Protection is that PIP goes a step beyond what Medical Payments will cover you for. PIP will not only pay medical expenses, but will also pay for expenses like lost wages you and others incur as a result of being unable to work.
Example: You are in a serious accident where fault is undetermined and you have $10,000 Personal Injury Protection coverage on your vehicle. You sustain physical injuries that cost $5,500 and as a result you can't work for a month. In a normal month you make $5,000. In this scenario, your Personal Injury Protection would pay all your medical bills ($5,500), but you would only be reimbursed for $4,500 of lost wages, because your maximum amount collectible is $10,000 per person with your PIP.
Just like Medical Payments, Personal Injury Protection can be added onto your policy in various dollar amounts ranging from $1,000 per person on up. Some states even require it. Minnesota, for example, requires every Automobile Insurance Policy to carry at least $40,000 in Personal Injury Protection!
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