Personal Injury Protection Claims - Understanding Your Insurance Coverage
When a driver is involved in a car accident, there are many factors to deal with including how all the damages will be paid for. In Georgia, all drivers must carry accident liability insurance for all vehicles they own. The minimum requirements a motorist may have include:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
The state of Georgia does not require motorists to carry uninsured/underinsured motorist coverage or personal injury protection (PIP) coverage. However, many drivers choose to add this coverage because Georgia is not a no-fault state, meaning that the driver responsible for the accident, and their insurance company, will be held liable for all damages.
What is Personal Injury Protection (PIP)?
More than 15 states across the United States require personal injury protection, but for those that do not, enrolling in a personal injury protection plan can help cover drivers and passengers injured in an accident.
The type of protection PIP plans provide varies by state and the plan the insured driver chose.
Commonly PIP coverage includes:
- Medical Coverage – Covers the cost of treatment received from doctors, hospital workers, or other healthcare providers for injuries sustained
- Disability Benefits – If an individual is unable to return to work right away, PIP may cover lost wages and further expenses incurred while away from work.
- Death Benefits – If you are involved in a fatal accident, PIP coverage may provide benefits to any of the deceased’s relatives related by blood, adoption, or marriage.
With PIP insurance, an injured driver or passenger may benefit from the coverage no matter whose fault the accident was. Personal injury protection can help cover additional medical expenses that a person’s health insurance may not cover.
Common Injuries PIP May Cover
There are many types of car accident injuries that anyone could suffer when they’re involved in a collision. According to the Georgia Department of Transportation more than 6 million people have been involved in a motor vehicle collision since the year 2000. In 2006 Georgia reported more than 133,000 injuries caused by traffic accidents, a number much higher than that of injuries caused by crime.
Some common car accident injuries include:
- Broken Bones
- Spinal Cord Injuries
- Traumatic Brain Injuries
- Loss of Limb
- Sprains and Strains
- Nerve Damage
Each of these types of injuries can require serious medical treatment and often causes injury victims to take time off work in order to recover. Personal Injury Protection coverage could assist those who have been injured in an accident with covering medical expenses and lost wages.
Contact an Experienced Personal Injury Attorney
If you or a loved one has been involved in an accident and are struggling to get your insurance company to cover medical expenses, property damage, lost wages, and more, our knowledgeable attorneys are ready to help you.
At The Eichholz Law Firm we know how difficult it can be to fully understand an insurance policy and complete a claim. For many years we have been assisting personal injury victims fight for their rights, our experienced lawyers know how to stand up to insurance companies so that you may receive the compensation you deserve.