If you already have medical covers elsewhere such as health insurance, sometimes you may not get benefits for coverage on accidents. You will need to speak to your health insurance company to find out the details of your coverage. In the case that this does happen, purchasing this insurance coverage will provide you with coverage for medical bills that happen during an accident and also may potentially overlap with some of the medical coverage you have.
In the case of an accident your insurance policy will cover the following:
- Medical Bills
- Hospital visits
- Therapy
- Chiropractors
- And More
Personal Injury Protection Insurance works a little differently than traditional insurances. Suppose you were hit on the side by a driver that was running a red light. Your vehicle flips over and you end up with a broken bone and some medical expenses. Of course outside of all other insurances, your vehicle will be covered with the correct insurance procedure. Such as seeking the at fault drivers liability insurance.
Due to your injuries, your personal insurance policy will be used immediately to pay for medical bills and anything else to make sure you are taken care of. In the instance that the medical coverage you have taken is not sufficient to cover the expenses, you insurance company will then seek compensation from the at fault driver’s liability insurance coverage.
It goes without saying that any insurance that covers medical bills can be quite a complicated policy and something you should gather detail on before making a final commitment to your monthly premiums. When considering PIP insurance, you must make sure that you have any current medical or health insurance policies that you are enrolled in on hand. This is so you can compare the policies and see which level of coverage would provide you with the most value or just enough that you are satisfied with. We recommend that you take advantage of any additional benefits that are offered to you through Personal Injury Protection Insurance and combine it with any current health insurance that you have. It is better to be safe than sorry.