Personal injury insurance – a guide to each state

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Not guilty laws are an alternative to the criminal liability system, which requires the insurer of the guilty driver to pay claims arising from an accident and does not impose any restrictions on a person’s right to sue.

In addition to no-fault and tort liability laws, there are two other categories of auto third-party liability insurance systems in the United States. A no-fault selection system, in which motorists can choose between no-fault liability and tort liability, and additional insurance laws that work in a similar way to the no-fault system, obliging the policyholder’s insurer to pay claims even if another driver caused an accident, although the rules do not impose liability on the policyholder’s insurance company, but require the इन्सुरेर

What does injury insurance cover?
PIP insurance is designed to cover injuries resulting from a car accident, regardless of the cause of the accident. Coverage requirements vary from state to state, but typically include:

Medical expenses
PIP policies help pay for medical treatment expenses – including ambulance services, surgery, hospital stays, nursing care, medication and medical supplies, x-rays, rehabilitation, dental and optical prosthetics, and chiropractic services -within the limits of coverage. The coverage may apply to the policyholder’s family members and other passengers in the vehicle.

Injury insurance also covers the policyholder, even if the accident occurred while he was not at the wheel. For example, if they fall under a car while walking or cycling, they will be subject to this policy.

Loss of income
The PIP insurance will cover the loss of wages if the policyholder or other persons mentioned in the policy are unable to work due to injuries resulting from a car accident.

Domestic services
If the policyholder due to an accident cannot perform daily household chores, including cleaning, garden work and child care, the injury protection policy can provide benefits to help cover the costs associated with these services.

Death benefit
PIP coverage can also provide death benefits to the policyholder’s family. This payment can be used to cover funeral expenses.

However, personal injury insurance does not cover damage to the vehicle or to the property of others, nor does it cover claims resulting from accidents caused intentionally or that occurred during a criminal act committed by the driver.

Which states offer injury insurance?
As of December 2021, twelve U.S. states – Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah –require PIP coverage, according to credit monitoring agency Wallethub. All of these states, with the exception of Delaware, implement the safe system. In Pennsylvania, auto insurance laws require drivers to receive $5,000 in medical benefits, but do not specifically mention injury protection.

Read more: Florida mulls decision to end no-fault insurance

PIP policies can also be purchased in seven other states – Arkansas, Kentucky, Maryland, South Dakota, Texas, Virginia and Washington – and the District of Columbia, though coverage is optional.

The table below from Wallethub provides detailed information on the insurance requirements for each state offering injury insurance.

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