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Personal Injury Protection Insurance: Why You Need It

Personal injury protection insurance takes care of your medical bills, lost wages, and your passengers in the event of a car accident. Although it is not mandatory in Idaho, getting it can save you time and headaches. Here are a few essential things to know about personal injury lawyers. 

What Is It?

This type of insurance is also known as no-fault insurance. It helps you cover rehabilitative costs, medical expenses, and the passengers in your car in the event of a car accident. It may also cover you if you were the passenger in someone in someone else’s car or you were hit as a cyclist or pedestrian. 

Even though it is a lot like bodily injury liability, they aren’t the same. PIP compensates you for your own expenses, while bodily injury liability helps you cover the other driver’s expenses. 

Your PIP coverage may overlap with Medical Payment policies or health insurance. However, it is reserved for car-related injuries. Your health insurance may not cover them. 

What Does It Cover?

Personal injury insurance covers the cost of your relevant medical procedures and reasonable expenses while you recover. The most common expenses that are covered include:

  • Hospitalization
  • Operations
  • Lost wages
  • Ongoing care
  • Homecare expenses like house cleaning and childcare if you can no longer do them yourself
  • Accidental death benefits and funeral costs

Is PIP Important If You Have Health Insurance?

If you have an active health insurance plan, getting PIP insurance may not seem necessary. However, it is an essential addition if you wish to protect yourself. It offers many benefits that don’t come with health insurance policies. They include coverage for lost wages, accidental death benefits, and lost wages. 

Your PIP works with your health insurance policy. While your health insurance mostly cares for your physical injuries, PIP can cover the economic damages. You don’t have to choose one or the other. 

Filing a PIP Claim

You’d be smart to bring in Idaho personal injury lawyers when you want to file a PIP claim. They’ll help you submit your claim to the insurance provider on the phone or online. With their help, you should receive compensation for all associated medical expenses. 

If you have any non-urgent ongoing claims, the insurance company will require that you review and pre-approve a treatment plan with the help of a medical expert that they choose. You may also work with an outsourced medical claims processor. 

The insurance company can approve partial compensation or suggest that a medical provider examines you. Different plans offer different coverage amounts. It is crucial that you understand how much coverage you’ll be getting. Submit your claim as soon after the accident as possible. If you wait too long, it may not be easy to receive compensation. 

Personal injury protection insurance is essential even if you have other coverage types. It helps you cover the costs of lost wages, medical bills, and the passengers in your car during an accident. If you don’t get it, you may need to pay for them out of pocket. 

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