How Personal Injury Protection Can Help In a Car Accident
Michigan has some very unique laws when it comes to auto insurance. We’re one of the few states in the country to have a no-fault insurance law and we are currently the only state to provide unlimited medical coverage to those catastrophically injured in car accidents. As part of being a no-fault state, Michigan drivers are required to carry personal injury protection (PIP) insurance. But even if you don’t live in a no-fault state, PIP coverage might be available as an option. So what exactly is PIP insurance and what benefits does it have to offer?
In short, personal injury protection covers medical treatment and other expenses you might have in relation to a car accident, such as lost wages and having someone help with household chores. This applies even if you were a passenger in another person’s car, a pedestrian, or a bicyclist at the time of the accident. When you have PIP coverage, you receive these benefits regardless if you were at fault for the accident or not. If you’re injured in a car accident, you make your claim for benefits through your own insurer rather than the other driver’s. The exact amount of benefits Personal Injury Protection covers varies from state to state and your specific policy.
In Michigan, PIP benefits don’t just extend to the policyholder. They can also cover any other family member who lives in the policyholder’s home, even if they were injured as a pedestrian or as a passenger in another person’s vehicle. If you are involved in an accident with a motorcyclist, your PIP benefits can cover the motorcyclist’s medical expenses. Your PIP coverage can also apply to any passenger or pedestrian who doesn’t have their own PIP coverage if they are hurt in an accident involving your car.
Even if you have separate health insurance, PIP coverage can be very beneficial in the event of a car accident. Some of the things PIP covers aren’t covered by regular health insurance. If you often drive around with passengers in your car, PIP coverage can give you the peace of mind of knowing your passengers will be protected if you get into a car accident. If you have health insurance and PIP coverage, you’ll need to make your claim against your PIP coverage provider before going through your health insurance. Your PIP insurer may even be able to work in coordination with your health insurance provider to handle your coverage.
It’s also important to note that personal injury protection does not provide coverage for non-monetary expenses, like pain and suffering. If you have PIP coverage and would like to sue the other driver for pain and suffering, contact a car accident lawyer. No-fault laws and insurance coverage are intended to reduce lawsuits over car accident injuries, but there are some circumstances when you can file a lawsuit against another driver. A car accident lawyer will be able to help you figure out if you’re able to file a lawsuit in your situation.