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General Insurance

My daughter hit her head after an accident with a deer

The state of New York requires all drivers carry personal injury protection at minimum of $50,000 per person. This provides coverage for medical costs that you and your passengers incur in an accident regardless of fault.
Feb 16, 2018 Albany, New York

Eligibility

If my policy is being non-renewed because of multiple PIP claims, how will I be able to get coverage anywhere else?

Unfortunately, those PIP claims are going to work against you until they pass three years so it's going to be fairly difficult to find a well-known company willing to insure you. More than likely you will need a non-standard insurance company for the time being.
Nov 12, 2016 Sanford, FL

Coverage & Claims

Can I file a claim for bodily injury with my insurance even though the person that hit me had insurance and they settled out of court?

Since Florida is a "No Fault" state, your personal injury protection (PIP) coverage should pay primary for any injuries you suffer in an accident, regardless of fault. Because you settled out of court already for your medical bills, you may not be able to get any additional compensation from your company since PIP covers medical and work loss, not pain and suffering.
Aug 18, 2016 Starke, FL

Coverage & Claims

Do I need PIP?

First of all, thank you for your service! It sounds like you have outstanding health insurance for yourself, and potentially your family as well. It may not be necessary in your current situation to carry PIP, but here are a few reasons why it may make sense to add it to your policy: Your health coverage has a high deductible - PIP coverage on Texas auto policies does not have a deductible so, if you are injured in an accident that is your fault, this coverage kicks in immediately.
Jun 23, 2016 San Antonio, TX

Coverage & Claims General Insurance

Does car insurance cover my passengers?

In the state of Maryland, drivers are required to carry at least $2,500 in PIP coverage, as well as $30,000 per person and $60,000 per accident worth of uninsured motorist coverage in addition to liability. So, if you were hit by another driver and someone in your vehicle suffered injury, the other driver's liability coverage would pay for the injuries suffered inside your vehicle. If the other driver happens to be driving without car insurance, you and your passengers would still be covered by your policy because of the state-required uninsured motorist coverage.
Jun 17, 2016 Baltimore, MD

Coverage & Claims

What is the difference between Medical Payments and Personal Injury Protection?

Great question! While there are similarities between Medical Payments coverage and Personal Injury Protection (PIP), they are not the same. PIP will provide coverage for injuries suffered by you and any passengers in your vehicle, regardless of fault, up to the limit that you purchased.
Jun 5, 2016 Longview, TX
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