All About Auto Insurance Personal Injury Coverage
As you explore the arena of auto insurance and the variety of coverage options available, you’re likely to come across something called personal injury protection, often listed as “PIP.”
In the state of Pennsylvania, personal injury protection — PIP — insurance is required to be included with an individual’s medical payments coverage. By including PIP in one’s insurance policy, all parties involved in an accident can be assured they will receive medical attention without any delay. Pennsylvania is also a no-fault state, which means that each policyholder’s medical coverage applies first — regardless of fault or situation.
Personal injury coverage provides not only peace of mind but also a reliable source of reimbursement in the event of a severe automobile incident or accident in Harrisburg, Camp Hill, Lebanon or anywhere you travel outside of central PA.
What Does Personal Injury Protection Cover?
Having personal injury protection gives you a way to recoup costs incurred at medical facilities. It can also be a way to get back any wages you lost as a direct result of the accident and its aftermath. In fact, some personal injury auto insurance medical coverage covers more than half of the expenses you would otherwise have to put on your credit card or pay for out of your savings.
If an accident results in the death of the driver or passengers, PIP can even offer coverage toward funeral and related costs.
Doesn’t Medical Payments Coverage Work Just as Well as PIP?
Your auto insurance policy may already include medical coverage. While that’s a good thing, it doesn’t guarantee you’ll receive medical reimbursement.
Medical coverage only kicks in if you are not at fault. Thus, if you’re to blame for an accident, your medical coverage on your auto insurance policy will not reimburse you or anyone else. Plus, medical coverage is not applicable in cases of funerals or lost income.
Personal Injury Coverage With Strock Insurance
The fact that you’re investigating ways to protect yourself beyond your current auto insurance coverage indicates that you’re a prime candidate to discuss getting the peace of mind that comes with personal injury protection as required by PA law.
To get a more detailed recommendation based on your vehicle, travel plans and more, please contact Strock Insurance, located in Harrisburg, Camp Hill, and Lebanon. Alternatively, we invite you to fill out our contact form online so we can start a discussion about the best, most affordable auto insurance coverage policies on the market.
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