Posted: Thu Aug 14, 2008 6:30 am Post subject: Need some help with Personal Injury protection
Hello people ,I am in a predicament now.Imagine I have a Personal Injury protection and I had an accident while travelling in a car with 4 other people .Whether my Personal Injury Protection policy will cover the medical expenses for all the people,who were in the vehicle at the time of the accident? or is it just me?Do the other people also need to have a policy similar to the one I have or any other policy to cover their medical bills ? _________________ Cheap-car-insurance-tips
I'm not clear was it your vehicle the accident happened in or another persons? Also what state are you in? _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
PIP or personal injury protection coverage extends its benefits also to the passengers of the vehicle. Well, you may receive coverage only upto the limit of the policy depending upon the amount you are carrying on it. If you have sufficiently high policy limit, its likely to cover the medical expenses of the people accompanying at the time of accident.
Nope... in Florida if your passengers are listed on their own policies then they get PIP from those policies, not yours. Also, even if they live with a relative with PIP but are not listed on that policy, they get PIP from their relatives policy. If they don't have access to their own PIP, only then would they get PIP from your policy. Each person would get $10,000 in coverage.
If this was a 1 car accident it sounds like you may be a fault. If so, they might also have a claim against your policies bodily injury coverage. They have to have some type of permanency to their injury but in Florida this is almost always the case.
Hi renditioner..I'd very much agree with tcope at this one.
Quote:
If they don't have access to their own PIP, only then would they get PIP from your policy.
..see even logically there is no point in covering someone who is already covered for the same event. We do have instances in the global insurance industry...wherein people have opted for more than one insurance programs covering the same events. But when the event occurred the policy that was obtained first would be the only one to help him unless ofcrs the loss was of a higher magnitude that demanded a greater worth of coverage & hence needed to fetch the excess amount from the latter one! Fatman
Usually policies cover the people riding in your car up to a certain amount. Reread your policy. Most common case is that your passengers are covered but not yourself.
Usually policies cover the people riding in your car up to a certain amount. Reread your policy. Most common case is that your passengers are covered but not yourself.
But in this case covering yourself is exactly what PIP does.
Reread your policy. Most common case is that your passengers are covered but not yourself.
I think you are confusing PIP with BI coverages...PIP would most certainly cover the insured. BI, not so much _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
Have you talk with your local insurance agency? If yet. I suggest you to talk it now with them. _________________ CarInsuranceZine.Com: A Great Car Insurance Article Directory
