Who can be covered in the personal injury protection insurance?

The personal injury protection can cover a number of people. Below is a list of those who can benefit from the cover.

• The person who is named in the policy.
• Anyone who is related to the policy holder by blood, marriage or even adoption
• Anyone who was involved in the accident even if they are pedestrians and non-family.

Benefits of personal injury protection insurance

The following are some of the benefits you will experience when you have personal injury protection:

• The insurance will cover for your household replacement services

After an auto accident you might have to hire someone to help with some of the duties or activities you did engage in before the accident. The personal injury protection will help you to meet some of the cost of paying the person you will hire. If you sustain serious injuries and you need an attendant care then they will also pay for the bills regardless of whether they are family members or nurses.

• Medical expenses

Personal protection injury insurance is meant to cover your medical expenses in case of an auto car accident. It may cover all of your medical expenses inclusive the ones that should be covered by your health insurance.

• Medical mileage

If you are involved in a car accident and you sustain injuries that require you to visit the hospital regularly then it can be quite expensive. Well if you have a personal injury protection cover you do not have to worry about transportation cost, they will be compensated by it. All you need to do is keep a good record of your mileage expenses and submit them to your insurance company along with your other medical bills.

• Wage loss

You will be reimbursed for any wage you have lost as a result of the injuries you sustained in the auto accidents till the statutory monthly maximum which is adjusted annually. The wage loss can be paid up to three years since the auto accident happened.

Conclusion

Personal injury protection you will have to pay higher premiums than other types of insurance. Before you decide on settling for a certain insurance company personal injury protection policy shop around and do a cost analysis that is relative to the price of collision so that you get the best price that you will pay the premiums comfortably.

Different auto insurance types:

Liability or third party insurance is one of the low premium insurance policies which is offered by some of the insurance companies. This is one of the most basic policies of auto insurance that you will get in the market. As per this policy if you are involved in an accident and it is proved substantially that the accident was your fault then the insurance company will pay the damages to the party involved in the accident. The company would essentially agree on a basic set of payment scale that it would pay in case such an accident takes place. Different companies will have different pay ceilings and rates. It is important for you to get complete clarity regarding the rate, premium, basic bracket of pay and all other terms of conditions involved in the policy from the insurance agent or the company’s representative.

The other type of insurance is comprehensive and collision insurance policy. As the name suggests the comprehensive plan includes all types of damage that can be caused to your vehicle or auto by robbery, natural disaster or any other similar occurrences except accident. The collision implies the damage incurred to your or other party’s auto by an accident. The collision policy of insurance covers the damages caused to your auto as well as the other party’s auto irrespective of who is the victim or the culprit. This is essentially where the comprehensive and collision plan is different from the liability insurance policy. The liability policy only covers the damage caused to the other party’s auto whereas comprehensive plan covers the damage caused to all the parties involved in the accident.

One other type of insurance is medical and no fault plan. In this policy the company covers the cost of medical expense incurred by you in the accident as well as other passengers involved. The no fault plan pays you regardless of who is responsible for the accident.

Word of caution:

It is very important that you do your research and ground work properly before deciding to opt for one of the policies from the insurance company. There are many fraudulent companies out there who scam consumers in the name of insurance. You must be alert to this risk and always look for customer reviews before choosing a policy from an insurance company. Proper care and attention will help you be safe and secure from scams.