Car insurance offers many types of coverage for common situations you may encounter throughout your driving career. One type of coverage, called personal injury protection, gives you the peace of mind of the insurance company taking care of expenses related to personal injury when accidents occur.
Personal injury protection does not concern itself with which party is at fault in an accident. Instead, your insurance company covers the medical expenses of anyone associated with the accident, such as passengers, pedestrians, and yourself. Your health insurance may not always cover claims caused by an auto accident, so it’s good to have backup coverage through your auto insurance to make sure you aren’t dealing with claim issues down the road.
In addition to taking care of your medical bills, you may be able to get PIP to cover wages you lost due to your injury. This makes the coverage important for ensuring that your life isn’t disrupted unduly after the accident. Instead of figuring out how you’re going to pay bills until you get back to work, you can go get your wages paid through insurance.
Another good reason to pick up PIP is if you don’t have any health insurance at all. You may not be able to afford health plans, but if you add this coverage option on your existing auto insurance, you at least have one less health concern to worry about. Since injuries related to accidents can be catastrophic, it’s good to avoid massive hospital bills associated with getting you back on your feet.
Lean more about personal injury protection in the Arvada, CO area through your local independent agent.