Nov. 9, 2011
-- Every time drivers head out onto the road there is always the unfortunate risk of being involved in an accident. However, car insurance contributes towards protecting drivers from expenses incurred due to an accident. With strict personal injury laws it is very important to have as much coverage as possible in order to be protected from financial ruin. Insure4USA.com, one of USA's leading online insurance services highlights the issues of personal injury protection in a recently published article on their website.
According to David, manager of Insure4USA.com it is imperative for drivers to have PIP or personal injury protection insurance to cover medical expenses, wage loss, and other complications arising from an accident. David says, "With the rising number of personal injury claims and suits filed across courts in the USA, the need for this type of insurance is even greater. Even though it is no mandatory according to law, personal injury insurance is the best way to protect you from potentially financially devastating circumstances in the event of personal injury claims. There are so many expenses involved, and with the escalating costs of medical treatment and the chances of being out of employment for a while due to an accident, personal injury claims just keep getting higher by the day."
The article highlights the states where PIP or personal injury protection insurance is mandatory. These include New York, Oregon, Michigan, Delaware, Kansas, Florida, and more. PIP compensation limits vary from state to state. This type of coverage extends to the insured driver, family members related by blood, and third party individuals that may include passengers who are not family members and pedestrians as well. David says, "In states where PIP is not essential it is prudent for drivers to obtain this type of insurance. It is the best way to protect themselves from out of pocket expenses. Typically, you receive up to $10,000 towards medical expenses per individual injured in the accident. This is in addition to wage loss recovery of $200 per week for those who have become work-disabled for 14 consecutive days after the accident. Therefore, it pays to be well protected with PIP."
PIP coverage also includes $2000 for funeral expenses and a loss of services coverage of up to $5000. Coverage costs vary from between auto insurance providers. Farm equipment, mopeds, motorcycles, and RVs and off-road vehicles are excluded. To find a cost effective solution for PIP insurance and compare rates amongst leading providers log on to the Insure4USA.com website.
To access the full article, readers can go to http://www.insure4usa.com/personal-injury-protection.html
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To learn more about finding the car insurance coverage, readers can go to to http://www.insure4usa.com/AutoInsurance.html
where they will find resource page and easy-to-use quote comparison tool that can help consumers compare quote rates from multiple providers.