What is personal injury protection

You may be able to file personal-injury lawsuits against other drivers if they're responsible for seriously hurting you or someone else in your car, or if your medical bills exceed a certain dollar limit. In states without no-fault coverage, typical insurance claims may be paid out as follows: If you're injured in an accident caused by another driver: The at-fault driver's bodily injury liability coverage may help reimburse your medical expenses, up to the policy limits.

If you're injured in an accident you cause: Your medical payments coverage if you've opted for it may help reimburse you for your medical expenses, up to the limits you selected. Contact your insurance company to adjust your PIP coverage. Learn more about personal injury protection. Video Transcript What are medical payments coverage and personal injury protection in a car insurance policy?

Contact your local Allstate agent today. Hand writes: www. This content is for informational purposes only and may not be applicable to all situations. Coverage subject to terms, conditions, and availability.

Policy issuance is subject to qualifications. Connect With Us. Update Below. ZIP Code. City, State Set Your Location. You have entered an invalid ZIP. Please try again. Location data not available. Please enter zip code. Please Wait When you carry "personal injury protection" PIP car insurance coverage —either as an optional add-on to your policy or in one of the "no fault" car insurance states—your own insurer will cover losses related to your car accident injuries, regardless of who caused the accident.

Here's how PIP claims work, and what policyholders need to know. After a car accident , an injured driver can make a PIP claim for payment of medical bills, lost earnings, and certain other out-of-pocket losses. But this kind of coverage needs to be part of the driver's car insurance policy.

In most states, vehicle owners are only required to carry liability car insurance coverage, which is activated when the vehicle owner causes a car accident, and which only covers other people drivers, passengers, pedestrians, etc. Liability coverage won't pay for the vehicle owner's own injuries and vehicle damage.

Learn more about how no-fault car insurance works. In other non no-fault states, PIP is available on top of other mandatory insurance, such as liability coverage. Whether it's mandatory or optional in your state, when you're making a claim under PIP coverage it doesn't matter who caused your car accident.

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