Personal injury protection is an additional coverage option of a car insurance policy that pays for the medical expenses of a person who gets injured in a car accident. When a person meets with an accident he becomes injured and sustains a lot of damages. A policy provides cover for his damages and pays for the medical treatment that becomes necessary after an accident. It usually provides cover for the bodily injuries sustained by the insurance holder and the damages that are sustained by his vehicle. However, a person can get more out of his car insurance by buying additional coverage options.
The personal injury protection coverage can cover many damages depending on the type of the auto insurance policy held by the person. Some of the insurance companies provide very limited coverage and do not pay for the full medical expenses of the injured person. Such policies are cheap to get but not provide enough for the insurance holder. On the other hand the some companies provide full coverage and pay for all the medical expenses of the injured person. These insurance policies are fairly costly but provide many facilities to the insurance holder.
People want to buy insurance policies which provide cover for all of their damages but sadly it is not possible. The insurance companies cover up to 80% of the total damages sustained by the insurance holder but not more than that. Also to get the money from the insurance companies is not an easy task and a person has to hire personal injury lawyers in order to claim their insurance money from the insurance companies. Still people rely heavily on their auto insurance policies because in case of accidents it is only the policy that can save them from the unexpected expenses that usually follow an accident.
People should take extreme care in buying an insurance policy for their automobiles. There are many elements to be considered while a buying a car insurance that is best for your vehicle.
The insurance policy must have the personal injury protection coverage option included in it. The insurance policy must pay for all of the medical expenses that are sustained by an insurance holder. The insurance company should be quick in delivering the insurance money to the insurance holder. The insurance company should be a reputable one and should have a good name in the market.
The insurance companies are only interested in making profits and often want to limit the amount of money that is to be paid to the insurance holder. The standard procedure adopted by all the insurance companies in the event of a personal injury protection claim is to get the person evaluated by a doctor. The selection of the doctor rests with the insurance company and the insurance holder has no say in this matter. The doctor determines the extent of the injuries sustained by the person and notifies the insurance company about the amount of money that would be required for his treatment.
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