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Can Personal Injury Protection Be Applied Toward Automobile Passengers?

It’s common for individuals to get into an accident and to struggle with paying for medical bills, lost wages, and all the other costs that result from the injuries. Serious accidents are often a serious inconvenience, and it only takes one accident to transform the life of an individual. That’s why it makes sense to have personal injury protection insurance, also known as PIP. This insurance can help protect you after an accident and reduce the impact that major injuries have on your life overall. 


What is Personal Injury Protection?


Personal injury protection is a type of insurance coverage that gives you money to go toward your medical costs, your lost wages, and the other expenses that result from a serious accident. This protection is available to the policy-holder for most circumstances that result in a serious injury, but normally it’s part of an auto insurance policy. That means you’ll be protected if you get into a car accident. 


How Personal Injury Protection Works After An Accident


After you’ve been in a qualifying accident, you can make a claim on your insurance to help you pay for your medical expenses, your lost wages, and many other expenses that you’re stuck with after you’ve been injured. These policies come with a per-person limit for their coverage, but they still help with costs in a major way. 


This Insurance Protects Passengers and the Driver


Not only does this coverage protect the driver from unexpected costs, but it also covers the passengers in the vehicle as well for a certain amount. The coverage amount per person varies depending on the exact insurance policy, but everyone in the vehicle will be protected in the event of an accident. Most policies offer substantial coverage for everyone in your vehicle, but its important to look at the specifics of your policy and to discuss it with your insurance company to ensure that you end up with something that will adequately protect you and your passengers. 


Why You Should Still Hire An Attorney Even with Protection


Even if you have an excellent insurance policy, it’s still a good idea to hire a skilled personal injury attorney if you’ve been in an accident because of drivers in a different vehicle. If you’ve been injured because of someone else, a skilled attorney can help you build an injury case and lead you to a settlement. Consider the Bryce Angell Profile for a look at a well-known personal injury attorney that can help you successfully build an injury case that gets you a settlement. 


It’s a good idea to invest in personal injury protection, and having a policy will help keep your life running smoothly if you’re ever seriously injured, but that doesn’t mean you don’t need an attorney too. By having a skilled attorney and top-quality insurance coverage, you can achieve better results and safeguard your quality of life in the event that you get into a serious accident. Cover your bases, and you’ll be relieved that you did if you ever get into a serious accident.