What is Personal Injury Protection or PIP Insurance?

According to the website of Milwaukee, WI car accident lawyers, car accidents are a common problem in roads across America. According to the 2012 statistical report by United States Census Bureau, there has been an average of 10.6 million motor vehicle accidents between the years 2004 to 2009. Because drivers are constantly facing risks while on the road, the government has mandated several safety nets in case the worst happens. Among such policies is the Personal Injury Protection or PIP insurance, which is required of drivers in a few select states.

Personal Injury Protection is a type of insurance coverage required by several states that have policies involving no-fault accidents. Individuals with PIP insurance can receive compensation for medical costs and other financial burdens caused by an accident regardless of who may have caused the accident. The amount covered by PIP insurance will differ from state to state. There are states that mandate a minimum requirement for insurance companies, but drivers can opt to purchase PIP coverage at higher amounts. The states that require PIP coverage are the following: New York, New Jersey, Pennsylvania, Florida, Utah, Michigan, Minnesota, Kentucky, Kansas, Hawaii, and the District of Columbia.

If you do not reside in a state that requires Personal Injury Protection, there are still several options that could allow you to pursue compensation for damages and injuries caused by a devastating accident. For example, in Illinois, options like collision coverage could protect a driver from damages regardless of who caused the accident.

Meanwhile, compensation for accidents that have lead to fatalities or serious injuries can be resolved with the help of a personal injury lawyer. In worst-case scenarios, your best option is to consult with an experienced legal professional to learn how you can best address the situation that’s in front of you.

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