If you are looking into getting auto insurance personal injury protection, is really important to have. Many people think that all they really need is the liability insurance that is required by the states they live in, but this is not going to pay for any of their own damages in the event that they are at fault in car accidents.
Liability insurance only pays for damages caused to those in the other vehicle or pedestrians, and can include medical expenses and property damage. In order to make sure that you have plenty of coverage, make sure that when you get auto insurance personal injury protection is included in your package.
What Is Personal Injury Protection?
Many expenses can arise as a result of an accident, and if you are at fault in an accident, you are required to take care of all of your own expenses. These expenses can include medical bills, as well as costs to repair or replace your vehicle. You may also have had passengers, and you will be required to take care of their expenses as well.
When you have auto insurance, personal injury protection will pay for most of these damages, up to a certain limit and minus your deductible. Because medical bills can really add up quickly, it is best to have this coverage. What you pay for personal injury protection is nothing when you compare it to the cost of most medical bills.
Don’t Worry about Losing Time from Work
If you are in an auto accident and you are injured, it may be that you will end up having to miss some time from work. Now, most of us just can’t afford this, as we live from paycheck to paycheck. But, if you have auto insurance, personal injury protection will pay for your lost wages for a certain period of time. This means all you have to worry about is getting back on your feet again. The bills will all be paid, and you won’t end up getting behind on anything.
Do I Need to Have Personal Injury Protection?
When it comes to auto insurance personal injury protection is not always mandatory, but it is a requirement in some states. Actually, it is a good idea to have this coverage even if you are not required to have it, just in case you are in an accident and you are at fault. You will be required to have personal injury protection if you live in the following states:
- 1. Arkansas
- 2. Delaware
- 3. Florida
- 4. Hawaii
- 5. Kansas
- 6. Kentucky
- 7. Maryland
- 8. Massachusetts
- 9. Michigan
- 10. Minnesota
- 11. New Jersey
- 12. New York
- 13. North Dakota
- 14. Oregon
- 15. Pennsylvania
- 16. Utah
Saving Money on Personal Injury Protection
You may be eligible for a number of discounts that will help you save money on your auto insurance, including personal injury protection. For instance, if you are a member of certain organizations or associations such as AAA and AARP, you may be able to get a discount from some insurers. Other discounts you should look into include:
- Multi-Vehicle Policies – If you own more than one vehicle, you can put them all on one insurance policy. This is a great way to save money on auto insurance.
- Multi Policies – If you have more than one insurance policy, you can bundle them with your auto insurance to save money. Many people find they get better deals when they combine auto, life and home owners insurance through one insurance company.
- Safe Driver Discounts – If you can prove that you have been a safe driver for a certain period of time, usually three or more years, you may be eligible to receive a discount on your car insurance. Your driver’s abstract will show insurers whether or not you are eligible for discounts or should be considered a high risk driver. Once you receive a safe driver discount, you can get more discounts for every year that you continue to have a clean driving record.
Save Money by Getting Free Insurance Quotes
If you want to be sure that you are getting the best rates on auto insurance personal injury protection included, you need to shop around and find out what the various insurers are charging for their products and services. The easiest way to do this is to go online and give us your zip code. We will search our data bases to get you many free quotes from local and national insurers so you can get a good price on your insurance coverage.