Although everyone is different and has different needs and financial considerations, here is a general tip about how to protect yourself and your family.
This insurance pays your medical bills from a collision. In some cases, it may also cover your passengers, pedestrians, and bicyclists. This insurance pays benefits regardless of fault. In other words, even if you cause a collision, PIP insurance may pay for your medical treatment. Even if you have health insurance, you should purchase Personal Injury Protection (PIP) insurance. PIP insurance is better than health insurance because there is no deductible, no co-pay, and no pre-authorization requirement. You may choose any licensed healthcare provider to treat you, even alternative therapies such as chiropractic treatment, massage therapy, physical therapy, and acupuncture. PIP insurance is very affordable. PIP insurance also provides limited wage loss benefits, funeral benefits, and loss of essential services to compensate for things such as babysitting, lawn care, and house cleaning. Because the insurance company representing the person who caused the collision will not pay your medical bills until you are ready to settle your entire case, you need PIP insurance. We recommend that you have at least $35,000 in PIP Insurance. If you have an above average income, own a home or have other assets, you should have at least $100,000 in PIP Insurance.
If you have questions about your insurance coverage, give us a call at (206) 971-7601. Nelson Boyd – We Care. We Can Help. www.nelsonboydlaw.com
