Personal Injury Protection (”PEP”) is an optional cover is available in auto insurance. It pays for medical expenses, lost wages, loss of household services and funeral expenses after an accident, regardless of who is to blame. Insurance is compulsory in 48 of the 50 states. PIP may cover these costs. Although your health insurance if the insurance may cover the cost of treatment by a car accident, she would not for all treatments. These limits can cover or not cover chiropractic or massage.

After the accident, the PIP insurance is a primary form of health insurance. Your health insurance is likely that a proof of lack of coverage in the PIP. You pay only the cost of medical treatment in the absence of light. After PIP coverage was exhausted, an additional health insurance for medical expenses under the terms of the insurance will pay. Because the PIP is such an important type of coverage, some states require the repeal of PIP coverage in writing. Auto insurance companies always have copies of the capitulation signed, and may have to pay PIP benefits without a signed waiver of denial of coverage. They also tend the opportunity to buy higher limits of PIP coverage on your car insurance.

PIP coverage can also be used in the manufacture of bicycles and pedestrian accidents. Cyclists and pedestrians injured by a car, the driver usually covered by insurance PIP debt. If the driver strikes a pedestrian or a cyclist, have no insurance or underinsured, the injured party can use their PIP PIP coverage or coverage from their parents to pay for the damage, such as invoices, medical care and lost wages help after an accident. Children can be covered under their parents policy PIP.

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