What You Need to Know About Personal Injury Protection Insurance

Car accidents can involve a range of considerations, including who was responsible for causing personal injury and who is going to pay for damages. Of course, it always helps to be prepared. The best way to do this is to take out adequate automotive insurance. There are several insurance options many people may not understand or even be aware of. One of these options is called personal injury protection (PIP) insurance coverage. It's by no means mandatory for someone to take out this kind of cover, but the benefits of PIP far outweigh the costs.

More About PIP

Before we discuss the advantages of PIP, you should understand exactly what this kind of coverage encompasses. Usually, personal injury protection insurance is an optional extra for car insurance. It covers the medical expenses typically incurred as a result of a car accident. Over and above covering medical expenses, this type of cover can cover lost wages and provide benefits to people regardless of their personal level of fault.

The Advantages of Taking out PIP Cover

Taking out personal injury protection can offer a wide range of advantages. One of the key benefits is that PIP coverage, as opposed to the standard form of car insurance in the state, offers recovery to individuals, no matter what their level of fault is. This is essential since South Carolina is a tort liability state. This means that a person who was not at fault for an accident can still pursue a claim against the party that was at fault. What's more, the state follows a model of comparative negligence. So a party's recovery can be reduced by whatever percentage s/he is found to be at fault. With personal injury cover, parties can acquire medical coverage up to the limit set by the insurance provider. However, the benefits of this type of cover aren't only limited to people who are found to be at fault for a car accident. PIP cover can also benefit those who are not at fault by providing recovery should payment from the opposing insurer be delayed. Should the case go to court, or if the other party's insurance provider decides to contest the amount of the medical bills, you could go for months without receiving any kind of compensation. And that can put a lot of strain on what is already a stressful situation and particularly if your injuries prevent you from maintaining or finding gainful employment. But it is important to remember that, while PIP can offer benefits to people irrespective of their level of fault, recovery can be limited to those limits set out in your policy.

Talk to an Attorney

It's important to understand your own insurance as well as the types available to you. This can help you better understand your rights as well as personal injury recovery in the event of a car accident. If you or a loved one have been involved in a car accident, you need to help of an experienced attorney. Contact Clore Law for a case evaluation. Contact them at 843-722-8070.