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Optional insurance coverage plans such as personal injury protection and uninsured motorist protection may seam to some individuals as a means for the insurance company to make extra profit. In reality these types of coverage are very important and can mean rapid monetary compensation should a serious accident occur. Georgia residents are required to carry a certain amount of liability insurance, but adding personal injury protection does not increase the monthly premium cost significantly.
The Importance Of Personal Injury ProtectionGeorgia is not considered a no-fault state, meaning any damages to personal property or vehicles and any injuries sustained in a car accident must be paid for by the person At Fault. Unfortunately the insurance companies will take their time to adjust the amount being paid. In the meantime personal injuries must be treated and the costs can be huge. Carrying PIP in addition to liability insurance means these costs will be covered immediately, with no subsequent increase in PIP premiums.
If a driver causes an accident and is injured, his or her collision insurance will only cover damages to the vehicle. Unless health insurance is carried the medical expenses for these injuries must be paid out-of-pocket. But when PIP is added to an insurance policy Georgia drivers will be able to obtain medical care while the fault of the accident is still being determined.
Amount Of PIP To CarryMost insurance companies will recommend carrying PIP in the same amount as the basic injury protection on the liability policy. Personal injury protection coverage comes in several different types. There is a small amount available for a low monthly price which covers injuries to the driver only. Customers can also purchase PIP in much larger amounts to cover other passengers in the vehicle as well as children riding on school buses. Sometimes these policies will also cover family members who drive the insured's vehicle. It is important to discuss these options with an insurance agent prior to settling on a dollar amount.
Although not mandatory, personal injury protection is a good idea when obtaining any liability policy. The coverage on the basic policy does not include personal injury to non-fault individuals who are in a separate vehicle. This would instead be covered by the injury portion of the liability protection. A full liability policy can be written to include personal injury protection for all parties. This is more expensive but means that non-fault parties will be able to use the insured's coverage to pay for medical expenses. Obtaining all liability insurance information from at-fault drivers is vital when an accident occurs because third party insurance companies are not required by law to contact medical providers.
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What is PIP insurance?
It is an acronym for Personal Injury Protection Insurance, or PIP insurance.
Does the state of Georgia require PIP car insurance?
Georgia does not. Instead, you must have $25,000 per person bodily injury. $50,000 per accident for bodily injury on two or more people. $25,000 per accident for property damage. It doesn't say anything about PIP insurance.
What is covered on pip insurance in Ohio?
Coverage on PIP insurance in Ohio can be offered by the insurers if PIP insurance is chosen. PIP can may help pay for medical expenses for passengers and the primary driver.
You were hit on my moped by a car can you claim pip insurance on her insurance?
No, PIP is only for the occupants of the vehicle.
What are some Georgia PIP car insurance companies?
Geico, Allstate, Progressive, and Essurance are good car insurance companies. National companies are the best to go through as they work to get you the best deal.
Who is the second youngest pip who helped power the midnight train to Georgia?
second youngest pip who helped power the "midnight train to Georgia"
What is PIP insurance exactly?
PIP means personal injury protection and it is classed as no-fault insurance. This is because it will pay out regardless of who is at fault and will not increase your insurance premiums.
What does PIP mean in regard to car insurance?
medical insurance
Does your insurance pay PIP for passangers involved in auto accident?
This will be determined by the state laws and your policy. In Georgia, for example, a civil attorney looking for an office, promised to reduce auto insurance rates by 15%. Since he had no real knowledge about insurance, business, or much anything else, all he did to reduce rates was to do away with PIP Coverage which was a valuable coverage. By wiping out PIP coverage he reduced the rates but forgot to tell people about the loss of coverage.
Where can I buy New Jersey Pip car insurance?
You can purchase New Jersey pip car insurance at Triple A car insurance. You can also check out other companies such as Farmer's insurance or Geico as well.
Am I required to carry PIP car insurance in Texas?
Insurance companies in the state of Texas are required to offer you PIP insurance, and you can refuse to purchase this. In the state of Texas, you are required to pay any damages you make in an accident so PIP is handy just in case.
Which companies in Pennsylvania offer PIP car insurance?
their are many companies which offer pip car insurance you can even get it insured online for detailed information try this : http://www.business.com/insurance/auto-insurance-in-Pennsylvania/
