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What is PIP coverage/medical payment coverage?

An automobile accident can damage far more than your car. Medical bills, lost income, and other expenses add up quickly and cause significant financial hardship. Personal injury protection, also known as PIP insurance, helps reimburse you for such costs, and can help protect your friends and family after a covered accident.

How does personal injury protection work?

With standard auto liability insurance, the insurance company of the at-fault driver pays the costs resulting from a covered accident, up to that policy’s limits. Personal injury protection is a “no-fault” coverage, meaning that regardless of which driver was at fault, some of the medical expenses for the policyholder and others in the policyholder’s car may be covered by insurance.

What does PIP coverage include?

Personal injury protection may pay for as much as 80% of medical and other expenses that result from a covered accident, depending on the policy limits. This may include:

  • Medical treatment of the injuries suffered by you and your passengers;
  • Medical expenses you might incur if injured as a passenger in another car or as a pedestrian;
  • Rehabilitation costs;
  • Funeral costs.

What are the benefits of having personal injury protection?

With PIP coverage, no blame needs to be assessed, and there is no wait for an insurance company to make payments. If it is a covered incident, medical and lost income payments are made as soon as possible, and you deal only with your insurance company.

How is PIP is different from medical payments coverage?

Unlike PIP, medical payments coverage doesn’t cover other expenses such as lost wages, rehabilitation services, funeral costs and services, such as childcare, that you may be unable to perform due to injuries from a covered accident.

What is Mileage-based Car Insurance, and why should you consider it?

Mileage-based insurance is a revolutionary new insurance coverage that is perfect for low-mileage drivers. These drivers, typically ones who use mass transit, carpool, telecommute, or live an urban lifestyle, shouldn't have to pay for the expensive traditional insurance coverage that higher-mileage drivers do. Traditional car insurance just isn't fair.

Do mileage-based insurance policies offer PIP coverage? Yes!

You still have the option to get PIP coverage with your pay-per-mile insurance policy. Pay-per-mile insurance is an exceptional choice for low-mileage drivers seeking exceptional insurance coverage while saving up to $500 per year on insurance premiums.

Don't drive much? Why pay much for car insurance?

If you are a low-mileage driver, you may not be aware of the revolutionary new auto insurance option called Pay-Per-Mile Coverage. This pay-as-you-go coverage is perfect for drivers who travel less than 10,000 miles per year while providing you the same great coverage as the higher-cost traditional insurance policies.

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