Personal Injury Protection Car Insurance

Personal injury protection car insurance is a coverage that will take care of you in case of an automobile accident, regardless of the individual that is to blame. This type of coverage can also cover you should you be a pedestrian victim that is hit by a motorized vehicle. This is one of the most important forms of car insurance as it does not require for blame to be established before payment is made. This illustrates that your medical bills will be paid more quickly and you will not need to take the case to court in order to establish what party pays for whose bills.In other words, if you have been involved in any type of motorized vehicle accident, regardless of fault, your personal injury protection coverage will be what will cover your hospital and other medical bills. If you have ever had to pay for medical care, you know how important the payment of these bills can be.If you need extensive medical procedures, for instance, you have to demonstrate an ability to pay. If you have other good health insurance coverage, you may not need personal injury protection coverage; however, it is good to have this is you have no other coverage.Personal injury protection coverage is not normally mandatory with your car insurance. However, this type of insurance must be offered by your insurance company. There are currently fifteen states in which personal injury protection coverage is mandatory. This coverage is great for those who either do not have health insurance or whose health insurance does not cover motor vehicle accidents or large medical bills.The type of coverage you can obtain will vary within each state and from company to company so it is vital to investigate the coverage that is offered before making a decision. It is important to read the fine print, as some policies only cover the policyholder while others extend coverage to others inside the vehicle or involved in the accident. These are great benefits if you often carpool or have others in your vehicle. Again, pay attention to the fine print as some companies do not pay as many benefits as others. Some only pay medical costs while others pay for missed days at work.It is in your best interest to check with your health insurance provider to make sure you do not have this coverage through your company before adding it onto your existing auto coverage.