Nature of Coverage Provided By Personal Injury Protection

Personal injury protection, also known as PIP, is a separate option, one that gets added to an existing policy. The person that has purchased PIP has reason to expect a maximum level of health benefits, following his or her involvement in an accident.

Damages covered by PIP

• Cost of medical expenses and treatment
• Lost wages for a given percent of workweek.
• Help with transportation, when making trips to see doctor, or to visit a treatment facility

Damages not covered by PIP

• Property damage: The policyholder must use a different option to arrange for reimbursement of repair costs, following on-road incident.
• Not every policy covers childcare.
• Not every policy covers the cost of household services.

What to consider, before buying PIP’s coverage?

The exact form of the PIP policy differs from state to state. The policyholder that has paid for the personal injury protection normally finds it easier to become whole again, following involvement in an accident. Moreover, any family member that was riding a vehicle that was covered by that protective option should find it easier to become whole, despite the losses that were caused by the accident.

What remains unclear about PIP’s coverage?

While lost wages are covered for an injured adult, and household services are covered by some policies, neither of those would prove of much value to an injured child or teenager. Would either of them be assured of money for future medical costs? Would either of them be assured of reimbursement for the financial consequences that could be associated with a lost opportunity?

The Injury Lawyer in Hamilton knows that the delivery of a maximum level of health benefits does not seem to guarantee delivery of assistance with future problems, namely those associated with the accident-related injury, or the treatment for that same injury. Would money to cover such problems be part of any promised health benefits?

Furthermore, how might any future health problems affect the career of the child or teenager that were to get injured, while in a vehicle that has been covered by the personal injury protection [option]? The answer to that question seems to be lacking among all the details about that same optional protection.

There is little doubt that any future medical needs might disrupt an employee’s work schedule. How would the employer respond? Could that response force the affected employee to make unanticipated changes to his or her career?

The personal injury protection does not seem to guard against the consequences, if a recovered accident victim were required to meet the demands that resulted from any unexpected and forced changes. If you or a loved one has been injured in an accident,