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Why Is It Important to Get Coverage for Personal Injuries?
Posted By:
Wednesday, April 25, 2018
Auto accidents are among the major causes of death in the US. Around 40,000 people lose their life in car accidents here every year. Those that survive become victims of fatal injuries requiring medical treatment that costs thousands of dollars. This is where personal injury claims come in.
More often than not, these accidents are caused by the negligence of one party. If you have been in an auto accident where you weren’t at fault, it is the obligation of the negligent party to bear your medical expenses. The negligent party is also to bear any other expenses that incurred as a result of the accident. However, these personal injury claims are to be filed within a certain period of time.
Since the incidence is very common, a lot of insurances tend to cover it. There is a specific type of coverage designed for these cases, called the Personal Injury Coverage.
Opting for a Coverage
The medical bills in such accidents is a reason alone to get coverage for your personal injuries. These bills can rise astronomically high depending on your condition. Ask yourself the question: would you want to take such a major financial bump because of someone else’s mistake? While there are insurances that cover personal injury, it is best that you opt for the Personal Injury Protection Program.
Why PIP?
As mentioned, different insurances cover your personal injuries. However, they only pay you when the fault is not yours. What do you do if it was your fault? This is where PIP comes into play. It does not take into account whether you are at fault or not. Personal Injury Protection will relieve you off your medical bills regardless.
There is a wide range of benefits that you get to enjoy when you opt to enroll in the Personal Injury Protections program. For starters, you will be able to pay for all the medical expenses that you incurred as a result of your auto accident. Other benefits include payment of lost wages.
In other words, for as long as you are unable to work after the accident, the PIP will continue to reimburse you with your basic pay. In case of the worst-case scenario where the person holding the coverage dies, the entire cost of the funeral is undertaken by the PIP coverage. The best part of your personal injury protection program is that it can work along with your existing medical plan.
The Role of An Attorney
Personal injury cases, especially in auto accidents, are quite complex. This is why it is often advised that you hire an attorney to take care of the entire case. If you reside in a no-fault state, the need of hiring a professional attorney to undertake your personal injury case is of immense importance. The reason being that here the regulations tend to be quite confusing, and having an expert by your side can assure that you get fully compensated for your deserved amount.
Looking forward to hiring a professional lawyer? Hire Scott M. Schweiger! We are experts at filing personal injury cases and assure the best possible settlement for your expenses. For a free consultation session or to hire us right away, simply dial 513-489-0881!
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