New York – One the essential components of car insurance in NYS is the personal injury protection (PIP) coverage. It is mandatory to have at least some basic level of this insurance as part of your car insurance in this state. Many don’t truly understand the meaning of this insurance unfortunately until they’re in a car accident with injuries. A sudden car crash inevitably takes you by surprise and the injuries can vary from minor to life threatening in mere moments. The insurance coverage provided for accident injuries covers both the driver and passengers in the vehicle during the collision. It likewise may also cover you if you’re involved in a pedestrian accident, but this should be discussed with a professional, dependant on details of the motor vehicle accident (MVA). It is important to note that a covered injury from an MVA is paid for regardless of whether or not you have health insurance. Additionally, this coverage is helpful when the other car or truck is driven by either an uninsured driver or underinsured motorist. A top New York accident lawyer notes that your PIP insurance can guarantee that your injuries and medical treatment will be covered, up to the policy limits, regardless of who caused the accident. Some injury victims find it necessary to file a personal injury lawsuit in order to help compensate them for their MVA injuries and help get the needed treatment and payments. You can read more details about New York’s PIP insurance requirements here.
Photo for illustrative purposes only. Photo Credit: Jason Burwen [License]