Need for Personal Injury Protection

If you think personal injury protection isn’t necessary, then you haven’t really been paying attention to the latest accident statistics involving vehicles. We all have a lot of responsibilities these days that we can’t let go of, not to mention taking care of our families as well. Unfortunately, any insurance policy is expensive (no matter how important) and many of the most vulnerable families this would benefit simply cannot afford to add another plan to their portfolio. All of these insurance plans are worth it, but the average American family can’t always justify the added pressure on their monthly budget.

This should be carefully considered to ensure it meets the needs of the family before it is removed. In the United States, several states have enacted some type of home and personal injury coverage as law, but the amount varies. In Alaska, for example, a car driver will require ten times the amount of coverage that a driver in Florida will need. Even if personal injury protection isn’t required in your state, you may still want to consider purchasing a policy.

The coverage will pay about 80 percent (depending on the plan) of the costs for the insured and passengers. With this type of plan it doesn’t even matter if the person responsible for the accident was the policyholder because they will pay all medical bills, lost wages, etc., even for passengers. To keep costs down when you buy your coverage, it’s worth checking your current insurance in case there are areas that are already covered, reducing the amount of protection required. It is quite common for certain things, such as hospital bills and possibly a percentage of lost income, to be covered by a family health insurance policy.

This means that, in certain circumstances, no additional protection is required or, if it is, only a small amount. Drivers who have more than their share of accidents are more likely to require personal injury protection, even if it costs more. Most drivers are covered for medical expenses through their own health insurance, and often for their family if they are also included in the plan, but not for other passengers who may be in the car on a regular basis. If, after checking your current health insurance, you find that passengers are not covered by the policy, you will need to make sure they are covered by a personal injury protection plan in the event of an accident.

Any passenger in your vehicle should feel safe, so it is the driver’s responsibility to make sure that they do. If he lives in a state that does not have mandatory personal injury protection, he may want to add this to his portfolio. His personal circumstances will dictate how much insurance he needs, so the better his health and the fewer claims he’s made, it will help reduce overall policy costs. Whatever your circumstances, you should research it carefully so you can rest easy knowing you and your passengers are safely covered.