Content Overview
- Summary
- Collision Insurance
- Liability Insurance
- Comprehensive Coverage
- Medical Payments
- Pet Covrage
- Personal Injury Protection
- Uninsured and Underinsured Motorists Coverage (UM/UIM)
- Underinsured Motorists Property Damage
- Glass Coverage
- Emergency Roadside Assistance
- Rental Insurance
- Insured Drivers
- Mexico
Automobile Insurance: The Different Coverages
Personal Injury Protection
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Personal Injury Protection is like medical payments coverage, except that it also includes coverage for some lost wages and the costs of assistance you need at home due to injury. In some states, this coverage is called "no fault" insurance.
In no fault states, you can only sue the other party if the accident involved damages beyond a certain dollar amount or serious injury or death.
If you and your family don't have adequate health, disability, and life insurance coverage, you should consider purchasing the minimum amount of Personal Injury Protection. Note, however, that this covers disability or death resulting only from automobile accidents, not from unrelated disease.
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