How much PIP coverage do you require as per law?
Friday, October 8th, 2010As you own a car, so you need to have insurance for it. It’s almost legalized in every state now. Insurance protects you from a lot of mishaps and so you need to insure you vehicle for your own safety as well as the safety of your cars. If you have any queries regarding personal injury law, you can search online for good insurance forums to get your queries solved by the experts.
What is meant by personal injury protection?
Personal injury protection (PIP) is one of the coverage offered by the auto insurance companies. This covers you when you injure yourself while driving your car or other’s car. If you have this coverage, the insurance company covers you for the medical expenses you have incurred. PIP is mandatory in 16 states in U.S.A. such as Arkansas, Delaware, Kansas, Kentucky, Florida, etc.
Liability coverage required to buy
There are certain states where you need to buy minimum liability coverage as per law. For example, Alabama requires you to buy liability coverage and the liability minimums is supposed to be 25/50/25 and the figures are in thousands of dollars. The first figure signifies bodily injury liability maximum for one person injured, the second signifies the bodily injury liability maximum for all injuries and the third signifies the property damage liability maximum for one accident.
No-fault states
You might think whether or not you need to have a personal injury protection. If you live in a “no-fault” state, (such as Utah, Kentucky, Florida) then as per law, you need to buy PIP coverage. If your state follows the “no-fault” auto insurance law, then your insurance company is supposed to pay for the medical costs to you and your passengers not taking into account who is at fault. So, you need to have PIP and/or medical payments (MedPay) coverage.
Tort states
If you live in California, which is a tort state, you can ask the insurance company of the party causing you damage to pay your medical costs. You may sue the driver in a court of law due to the negligence or even for any intentional acts. As per the law of the state of California, every driver is supposed to have the statutory limits of minimum liability insurance or any other approved way to pay for the injury or property damage caused to other person.
It’s advisable that you get help from an insurance agent to assess how much coverage you require. It’ll help you buy a suitable auto insurance policy.
