Car Automotive

In states with no-fault insurance laws, personal injury protection (PIP) covers a broader assortment of medical charges than med pay does. In addition to covering doctor’s bills, PIP also replaces lost wages or pays to replace the services of someone injured in a car accident. For example, if a stay-at-home mother is laid up because of an auto accident, PIP payments would cover baby-sitter fees until the mother can care for her children again. PIP is often required in states with no-fault plans though it is also usually available in states assessing fault.

It is relatively inexpensive and usually worth adding to your policy. Uninsured or underinsured motorist. This coverage protects you if you are involved in an accident with a driver who is either totally uninsured or severely underinsured. It also protects you if you are injured by a hit-and-run driver.

With auto insurance premiums skyrocketing these days, some people drive around with little or no coverage. If such an uninsured or underinsured driver causes an accident, your uninsured motorist coverage pays you what you would be entitled to if the other driver had full insurance. You can collect not only for medical bills caused by the accident but also for lost wages and pain and suffering.

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