If the driver of a vehicle you are injured in has $10,000 PIP and you have $10,000 PIP on your own policy you are covered up to the cumulative benefit, which would be $20,000 in this example.
PIP is intended to cover medical care that is ‘reasonable and necessary.’
It can be used to cover chiropractic care, massage therapy, physical therapy, medical care, hospital bills, and many other unforeseen expenses.
If someone becomes disabled after an accident it can cover wage loss up to a certain amount per week.
Personal injury protection comes in quantities of $10,000, $35,000, and $50,000.
Did you know that the higher quantities of PIP pay a higher weekly rate of wage loss? It does!
Did you know that PIP will cover someone else do your yard work, laundry, or clean your house in the event you become disabled and have a doctor’s note? It does!
I always recommend that my patients re-evaluate their insurance coverage and needs every few years.
Our needs change as we enter different stages of life.
Wouldn’t you want to have the peace of mind knowing that your son or daughter and their friends are well protected in the event that something unfortunate may occur?