Personal Injury Protection (PIP) Overview

What is Personal Injury Protection (PIP)?

Personal Injury Protection is a type of vehicular insurance available for individuals who wish to undertake supplemental coverage with regard to the operation of their respective motor vehicles, as well as the receipt of compensation in the event that personal injury is sustained as a result of an automotive accident.

While traditional policies within automotive insurance provide for the coverage of their clients in the event of an automobile accident, Personal Injury Protection coverage allows for additional coverage with regard to both medical expenses; although Personal Injury Protection policies may allow for compensatory award to be used for mechanical repairs – depending of the nature of the accident – the primary focus of a Personal Injury Protection policy is the provision of protection against expenses incurred as a result of the sustainment of personal injury:

Personal injury is defined as injury, harm, or damage sustained by an individual within the setting of events or activities undertaken within which a legal, binding agreement does not exist; an example of such a situation is the operation of a motor vehicle

While there exists a legal and lawful manner within which automobiles must be operated, each and every driver does not have a contractual agreement with one another with regard to conflict resolution, decorum, or operation

Fault vs. No-Fault in Personal Injury Protection

The availability of Personal Injury Protection is specific to individual automotive insurance companies; however, locations within which a ‘no-fault’ policy is undertaken by jurisdictional statutory legislation are amongst the most common to offer Personal Injury Protection.

A no-fault policy with regard to an automobile accident that takes place will not provide for the establishment of definitive fault with regard to accidents that take place outside of recklessness or negligent operation. In contrast to locations that do not provide for the determination of fault, legislative jurisdictions allowing for the determination of ‘fault’ may require the party considered to be at fault for the accident to furnish any or all monetary compensation to the involved party considered to be the victim.

The Requirements of Personal Injury Protection

The completion and submission of all required insurance documentation amidst the filing process of an Insurance Car Accident claim should be completed to the fullest extent and a detailed fashion; in certain circumstances, the owner of the Personal Injury Protection policy will be required to complete the automotive accident claim within an expressed amount of time to remain eligible to receive the supplemental benefits offered by the Personal Injury Protection policy. In addition, the pricing arrangements for Personal Injury Protection may vary both in accordance to the nature of the Personal Injury Protection policy, as well as the individual insurance provider.

Personal Injury Protection Legal Assistance

In the event that an individual requires assistance with regard to the determination, identification, expressed benefit, or legality latent within the undertaking of a Personal Injury Protection policy, they are encouraged to undertake consultation with an attorney specializing in vehicular law, personal injury, accidents, recovery, insurance, and traffic law; this may prove to be a valuable asset. In addition, legal counsel may be undertaken with regard to the establishment of personal injuries existing outside of automotive accidents and Personal Injury Protection policy.