You can be seriously hurt in a car collision. The injuries you sustain could take years to heal and require extensive medical attention. Even if you have health insurance it may not be enough to pay for all of the therapy you may need after you have been hurt in a car collision. Personal Injury Protection (PIP) insurance will fill in the gaps between what your health insurance will pay and what is left over for you to pay out of pocket.
You are not the only person who will be covered under PIP insurance. PIP insurance will cover all of the policyholders, anyone riding as a passenger during a collision and any pedestrians that are unfortunate enough to be caught up in the collision. It is only for bodily injuries that were brought about by the collision and pays all the medical expenses in association with it.
With PIP insurance it doesn’t matter who is at fault in the accident. You could be at fault and your PIP insurance will pay all the medical expenses for your passengers. All that is required is that the afflictions that are being treated by medical professionals were the result of the car collision. If the charges are not the result of the collision then this is called no-fault claims fraud and you are advised against committing it.
PIP insurance does not cover property damage so you will have to have separate coverage for this type of damage. There very well may be damage to city property and personal property and the coverage offered by auto insurance companies for property damage will cover this type of loss if you have it along with PIP insurance.