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Personal Injury Protection – US PIP

Personal injury protection applies to any car and car related accident. Often referred to as PIP, Personal Injury Protection is an extension strategy for auto insurance companies that can provide full or partial coverage due to a car accident. If there are medical expenses, medical expenses are usually given priority.

However, there are no personal injury protection measures in all US states and some states. This is mandatory and part of the law, which means that all insurance companies will use the PIP as part of their insurance policy. The only difference is that each state's coverage may be different. For example, some countries are either medical expenses or just currency settlement. However, countries like Michigan provide lifelong personal injury protection and stainiff to the insured. In addition, the PIP may only pay part of the fee, but some insurance premiums are also full.

In some cases, the plaintiff’s insurance company will temporarily pay the fee and pay the insured’s losses, and then recover the cost paid from the recovery party’s insurance carrier after the case is fully settled. So what's the benefit? For the insured, this is actually very convenient because they no longer need to participate in the entire settlement negotiation process. This will be the operator who will fight with whom and what they deduct or deduct from the fees paid. Negotiators are annoying creatures. If you don't have to witness or participate in these negotiations, this will be good news.

Another type of PIP covers not only the insured, but also the personnel involved in the accident as well as the payment of loss, medical or funeral expenses. However, the insured is certainly the first priority. But for those who should not have participated in the accident but are inevitably involved, this will be very convenient. These examples include the loss of pedestrians and some private property.

According to the state of each state, your PIP may range from a few thousand dollars to hundreds of dollars (approximately $1,000 to $250,000). If possible, if your hospitalization is a direct consequence of a car accident, submit your insurance information to your hospital. This is important because third-party insurance companies are not entirely obligated to pay for your medical expenses, but your own insurance company is.

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