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When you’re going through life you don’t like to think about the worst-case scenario, but accidents do happen and the best thing you can do is be prepared should the unexpected happen so if you’re injured you can recover without the burden of added expense. According to estimates by the National Safety Council, more than 12 million automobile accident-related injuries occur in the United States every year. Personal Injury Protection or (PIP) offers protection from costly medical expenses, fees, and lost wages. In short, Personal injury protection (PIP) is an extension of car insurance available that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as “no-fault” coverage because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard to “fault,” or more properly, legal liability. This means that no matter who was at fault for the accident you are entitled to use your insurance to cover any necessary treatment or expenses

Here are some key factors to consider when it comes to PIP:

States with mandatory PIP coverage

  • Delaware
  • Florida[4]
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland (unless a waiver is signed at initial purchase of the policy)
  • Massachusetts[2]
  • Michigan[5]
  • Minnesota
  • New Jersey
  • New York
  • Oregon
  • North Dakota
  • Pennsylvania
  • Utah

According to esurance, a division of ALLstate, here is what you can expect when it comes to PIP coverage: PIP offers vital protection from costly medical expenses after an accident. Because it’s such an important coverage, check the specifics of your health insurance plan and work-loss coverage, if you have these, to determine how much PIP coverage to add to your car insurance policy. Check to see how your health plan, in particular, handles expenses after a car accident. Though the specifics can vary greatly by state, PIP generally covers you, drivers listed on your policy, and your passengers.

In case of an accident-related injury, personal injury protection can cover:

  • Medical expenses: medical and surgical treatment, dental and optometric treatment, ambulance and nursing services, medication, medical supplies, chiropractic services, and prosthetic devices
  • Lost wages (in some cases): if you or your passengers are unable to work due to accident-related injuries, PIP can help you recover lost wages.
  • Substitute services (in some cases): if accident-related injuries keep you or those covered from performing household tasks, like cleaning, PIP helps pay for substitute services, like a cleaning crew.
  • Funeral expenses (in some cases): if accident-related injuries result in death, PIP can help pay for funeral expenses.

Although many injuries, such as a broken bone, are immediately apparent, there are certain injuries that may not manifest until a few weeks or several months after the accident. A whiplash car accident, for example, may not result in debilitating neck pain until a few months after the accident, making it difficult to seek early treatment. If you or a loved one was recently involved in a vehicular accident, it’s a good idea to set an appointment with a car accident chiropractor.

Accident Care Chiropractic & Massage in Gresham, OR is proud to offer patients automobile injury chiropractic care. We have handled thousands of patients who have suffered auto accident-related injuries over the last ten years, helping them recover from their injuries, beat their pain, and live their lives to the fullest.

Injuries we treat:

No two car accidents are the same, so it’s not surprising that there are a wide variety of automobile injuries that one could encounter after an accident. Whether you are suffering from car accident back pain or a concussion, our team of highly trained chiropractors and staff can help you. Some of the injuries we have treated over the years include:

  • Neck pain
  • Whiplash
  • Shoulder pain
  • Back pain
  • Herniated disks
  • Sprains
  • Strains
  • Arm injuries
  • Leg injuries
  • And much more

The last thing you probably think about when you get behind the wheel of your car is getting into an accident but protecting yourself and your family with the right type of insurance can make a huge difference when it comes to a successful recovery. Luckily, auto insurance covers 100% of our costs at Accident Care Chiropractic & Massage

PIP insurance

Sources:

https://en.wikipedia.org/wiki/Personal_injury_protection