In A Motor Vehicle Accident Often Times There Are Many Questions That Arise, Especially If You’ve Never Been Through It Before.
Patients usually delay critical care due to questions like:
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Where Can I Get Treatment?
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How Will I Pay For Treatment Costs?
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What Is Covered And What Are My Rights After I’ve Been Injured By Someone Else’s Negligence?
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What Is Personal Injury Protection?
Luckily in this great state of Idaho we have something called Personal Injury Protection, or simply, PIP.
Personal injury security is mandated by law in Idaho State but can be waived with a signed waiver stating that you do not want it.
PIP is a great thing to have because it shields you whether you are at fault or not. It assists you when you are a passenger in someone else’s vehicle.
It covers you when you are a pedestrian or on a bicycle.
This is often referred to as the ‘PIP Halo’ and follows you no matter what vehicle you are riding in.
PIP also ‘heaps’ if you are in another vehicle whose driver has PIP.
If the operator of a vehicle you are hurt in has $10,000 PIP and you have $10,000 PIP on your own policy you are insured up to the cumulative benefit, which would be $20,000 in this example.
PIP is intended to cover medical care that is ‘reasonable and necessary.’
It can be used to include chiropractic care, massage therapy, physical therapy, medical care, hospital bills, and many other unexpected expenses.
If someone becomes disabled after a collision it can cover wage loss up to a specific amount per week.
Personal injury protection comes in quantities of $10,000, $35,000, and $50,000.
Did you know that the higher quantities of PIP pay a higher weekly rate of wage loss? It does!
Did you know that PIP will cover someone else do your yard work, laundry, or clean your house in the event you become disabled and have a doctor’s note? It does!
I always suggest that my patients re-evaluate their insurance coverage and requirements every few years.
Our needs evolve as we enter new stages of life.
Wouldn’t you want to have peace of mind with the knowledge that your son or daughter and their friends are well preserved in the event that something unfortunate may occur?
