Both personal injury protection coverage and personal injury liability coverage pay for bills and medical expenses resulting from an accident, but cover different coverages. Both personal injury protection and personal injury liability coverage cover medical bills and expenses resulting from an accident, but they cover different people. Bodily injuries cover the other driver's medical bills (including their passengers) if you cause an accident. Personal Injury Attorney near Garden City SC Personal injury protection covers medical bills and related expenses for you and your passengers after an accident, regardless of fault.
Personal injury protection is offered almost exclusively in states with no-fault insurance. Simply put, a bodily injury is a physical injury, while a personal injury is a legal claim that stems from an injury that is usually (but not always) physical. Bodily injury and personal injury are two important terms that you shouldn't confuse, especially when reading legal documents like your insurance policy. The difference between PIP insurance and personal injury insurance is that PIP is no-fault coverage, while personal injury insurance requires someone to have the Guilt. Yes, you must have personal injury protection (PIP) coverage even if you have health insurance for a number of reasons.
We want you to have better coverage and insurance agencies want to charge you slightly higher premiums (“it's highlighted slightly because you can often double the amount of coverage with a rate increase of less than fifty dollars). The amount of coverage that must be purchased will vary depending on each individual circumstance, but it's always a good idea to get at least the minimum amount of personal injury protection offered. Remember that BI covers injuries you cause to other people in an accident, so you don't have to risk your personal assets to compensate them. Ideally, you should have enough basic personal injury protection insurance, or “PIP” coverage, to pay bills or deductibles or cover wage gaps that you may not be able to cover immediately after an accident. This coverage is independent of who is at fault and can continue for up to three years from the date of the accident.
Personal injury protection covers the injuries you and your passengers sustain in an accident, and it can also cover additional expenses. However, a comprehensive auto accident liability insurance policy covers both property damage and bodily injury liability, although coverage limits are often different. Personal Injury Protection (or “PIP”) coverage is a type of insurance that is optional for Maryland drivers. The “no-fault” aspect of PIP coverage means that it will cover your damages regardless of who caused the accident, unlike personal injury liability coverage, which I'll talk about in my next post. Personal injury (BI) liability coverage covers medical treatment and related expenses for people injured in an accident in which you are at fault.
Therefore, if you are injured, you can file a claim with your personal injury insurance coverage and your PIP insurance coverage....