What is PIP? How much PIP Should I Have? How do I Increase My PIP?


What is PIP? How much PIP Should I Have? How do I Increase My PIP?

PIP (Personal Injury Protection)

1. What is PIP?

PIP is an acronym for Personal Injury Protection and is the part of your car insurance coverage (or policy) that pays your medical bills if you are injured in a car accident, trucking accident or motorcycle accident.

2. How Much PIP Should I Have?

I strongly recommend you haveat least $25,000.00 of PIP coverage andthat you get $50,000.00 and even$100,000.00 if the car insurance company offers it. The more PIP coverage you have the faster and easier your medical bills should be paid by your car insurance company, this is, of course, in addition to the medical bills that will be paid by your health insurance company.

3. Increase your PIP with a quick telephone call toyour car insurance company and telling them the amount of PIP you want.

With just a quick telephone call to your car insurance company you can increase your PIP coverage by telling them the amount of PIP coverage you want.PIP payments are usually many timeslesscost per month on your car insurance policy than are health insurance costs. So, it is less expensive to you to have a high PIP coverage and yet you can still get tens of thousands of dollars of your medical bills paid for if you are seriously injured in a car accident, trucking accident, or motorcycle accident.

In Utah, $3,000.00 is the state minimum PIP coverage which may be used for medical bills or death from the accident; the lesser of $250.00 per week or 85% of gross income loss for up to 52 weeks; up to $20.00 per day for household services up to 1 year; and funeral services. (UCA §31A-22-307). However, as stated above in this article, you should have much more PIP coverage than the state minimum.

Many people only have the $3,000.00 PIP minimum. Again, as stated previously in this article, I strongly recommend that you please increase your PIP to $25k, $50k, or even $100k because doing so will help to get your medical bills paid easier if you are ever in a serious car wreck. As stated above, increase your PIP by simply calling your car insurance company and telling them the amount of PIP you want.

In Summary:

1-PIP is Personal Injury Protection that helps payyour medical / healthcare bills when you are injured in a trucking, car or motorcycle accident.

2-Have at least $25k,$50k and up to $100k of PIP coverage.

3-Increase your PIP coverage amount by callingyour insurance company. If you are in a car wreck you will be glad you increased you PIP.