Have you ever wondered what will happen if you get into a car accident that is your fault? Is there any way that you can get the insurance company to cover that, or will you have to bear all the costs yourself? Whether your case is where the other party is clearly at fault, or you both share the blame, then an experienced Atlanta Car Accident Lawyer can help you in getting the best settlement.
What is Personal Injury Protection (PIP)?
If we were to understand it in a layman’s language, a PIP is that kind of car insurance in which the insurance company page for the losses no matter whose for was the accident. It can be taken as an optional Add-on to your existing policy, and if you reside in a “no-fault” car insurance state then you might be required to have one.
There are different types of car insurance coverages that offer different types of covers in case of an accident. For example, if you have liability insurance, then it covers the expenses of other people if the car owner has caused the accident, however, you cannot claim it for your own losses. In personal injury protection insurance, on the other hand, you will be able to make a claim for the medical bills, lost wages, etc, even when the accident is your fault.
How does the claim work?
In about a dozen states the system of no-fault car insurance is followed, out of which, a few follow a mandatory PIP system, while others provide a choice to citizens.
Under PIP, you are allowed to claim for accident-related medical bills and also either a part or all of the lost income if it is within the coverage. Some states also have a two-part medical bill limit in which if a person also has Health Insurance the PIP insurer has to pay a small amount and the health insurer will pay the rest.
There are many different rules in this type of claim, for example, a no-fault state might not allow the at-fault driver to claim the medical bills unless it reaches a minimum amount set by the state, or you have suffered a sufficiently serious injury.