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]