Car insurance and no-fault benefits

If you have been in an car accident the first course of study of action, whether you have bodily injuries or not, is to contact the police force to make a study. The next step is to contact your insurance company to study the accident. Your insurance provider should then be able to walk you through the steps of devising a claim. If you have injuries and need to place a claim against your PIP insurance coverage, this can be done at this point as well.

If you are unsure of what your personal injury protection policy screen, ask your agent to explain the benefits and which will be of use to you under your electric current situation. Benefits typically can include payment for loss of wages, checkup expenses, substitution services and other economical damages you might have suffered due to the accident.

Medical disbursal that will be covered by No Fault are those checkup expenses that are reasonable and necessity are covered. The state’s legislative act in which you reside usually regulate what is deemed reasonable and necessity. This definition usually excludes experimental treatments or option/holistic treatments.

In Gopher State their legislative act include as medically necessary the followers items: checkup, surgical, x-ray, optical, dental, chiropractic, and rehabilitative services, including prosthetic devices. Also allowable by MN legislative act are prescription drugs, ambulance or other transportation system expenses incurred in travel to receive other covered medical disbursal benefits.

The state of Gopher State’s PIP system demands that before any wage loss claim will be paid by your insurance provider that a doctor's disability note must be presented to your PIP insurance adjuster in order for you to receive wage loss benefits and that proof of wage loss from your employer on a form available from your insurance adjuster.

In Florida their no-fault (PIP) coverage includes payment for 80 percent of medically necessary expenses, 60 percent of lost wages, 100 percent of replacement services such as child care, housekeeping or yard work, and $5,000 for death benefits. Florida also allows that for a higher premium you may amend your personal injury protection coverage to increase medical expenses to 100 percent and lost wages to 80 percent or increase your minimum limits from $10,000 to $20,000 or more.

There are other states, such as Washington, that do not require PIP but have it as an option that a driver can carry as part of their insurance coverage. In Washington State personal injury protection if you choose this optional coverage it pays for medical and other expenses resulting from an auto accident, for people specified in the policy, regardless of who is at fault.

While this coverage is not required in Washington, it is mandatory that it is offered to car insurance buyers and must be rejected in writing if the car owner does not want to add the coverage. In a Washington PIP policy the named insurer and residents of that person’s household related by blood, marriage or adoption are covered for injuries incurred in an accident. Also passengers of the named insurer’s vehicle and pedestrians are covered.

In Washington, just as Minnesota and Florida, PIP covers reasonable and necessary medical expenses for injuries sustained in an automobile accident, up to three years from the date of the accident and up to the $10,000 limit. Other benefits of PIP in Washington State include income replacement (maximum of $200 per week for 1 year, after a person has been disabled for 14 days after the accident), funeral expenses of $2000 and loss of services of up to $5000.

Whether your state requires you to carry Personal Injury Protection insurance coverage or not you will want to be informed of this coverage and what benefits you may receive from it. Find out from your insurance agent, or your state’s insurance regulatory body (Department of Insurance) who is covered by a PIP policy and if there is different coverage options you may want to include for better protection of you and your family.

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