Avon Personal Injury Protection Lawyer
Personal injury protection insurance—PIP, for short—is voluntary coverage in Indiana. A car owner does not need a PIP policy to register a vehicle, but having this coverage can prove helpful in many situations.
After an accident, you might need assistance making an insurance claim. Contact an Avon personal injury protection lawyer at Keffer Hirschauer LLP today.
PIP v. Liability Insurance
Indiana is a tort state, which means that Indiana requires motorists carry liability insurance to register a vehicle. Liability coverage kicks in when the insured is at fault for an accident, and it pays benefits to injured victims. Drivers in Indiana must carry the following minimum liability coverage:
- $25,000 in bodily injury liability coverage per person, up to $50,000 for an accident
- $10,000 in property damage liability coverage
If you are in an accident and the other driver is to blame, you can make a claim on their insurance. But you can’t make a claim on their liability insurance if you are to blame.
PIP is different. It is no-fault coverage, so liability does not matter. Instead, you can make a claim for medical expenses even if you are at fault for the collision.
Shopping for Personal Injury Protection Coverage
In Indiana, PIP coverage is also called medical payments insurance. You should have the option of buying this coverage when you purchase your liability policy. Because PIP is optional, you do not have to buy it. But it can make sense for many people who want access to benefits regardless of fault.
PIP coverage is often helpful when motorists suffer serious injuries. You could easily exhaust the other driver’s available coverage—which is usually the minimum, or $25,000 per person injured. Medical payments can step in and cover additional expenses. You might also use medical payments coverage to pay the cost of your deductible if you have health insurance.
At our firm, we encourage motorists to carry as much medical payments insurance as they can afford. Also check what is covered by the policy. Some PIP policies pay for only medical care, while other policies also cover lost income or lost wages. Ask an insurance agent for a quote.
Receiving PIP Benefits
Some motorists are worried that if they make a PIP claim they will not be able to make a claim on another driver’s liability coverage. This concern is misplaced. You can still make a claim on another driver’s liability insurance for:
- Medical bills and future medical expenses
- Lost wages or lost income
- Property damage
- Pain and suffering
Negotiating a settlement takes time, however. As you wait, your PIP/medical payments coverage can step in and cover your bills, providing peace of mind.
Contact Us for Assistance
In the days following a wreck, you might be confused about what insurance covers your injuries. This is where our Avon personal injury protection lawyers are a big help. We can review all your policies, as well as the details of the accident. Then we can advise you about how to make insurance claims that maximize your recovery.
Contact us today to schedule a free consultation.