If you think personal injury protection isn't necessary then you really haven't been paying attention to the latest batch of accident statistics involving vehicles! We all have many responsibilities these days which we cannot dismiss, not to mention looking after our families as well. Unfortunately, any insurance policy is expensive (no matter how important) and many of the most vulnerable families that this would benefit just cannot afford to add another plan to their portfolio. These insurance plans are all worthwhile but the average American family cannot always justify the additional strain on their monthly budget.
This needs to be looked at carefully to ensure it meets the family needs before it is taken out. In America, a number of states have made it law to have some form of personal injury and home cover but the amount varies. In Alaska for example a car driver will require ten times the amount of coverage that a driver in Florida will need. Even if personal injury protection is not obligatory in your state, you may still want to consider purchasing a policy anyway.
The cover will pay around 80 percent (depending on the plan) of the costs of the insured and passengers. With this type of plan it doesn't even matter if the person responsible for the accident was the policy holder because it will pay all medical bills, lost wages etc. , even for the passengers. In order to keep costs down when you purchase your cover it is worth checking your current insurance in case there are areas that are already covered, thereby reducing the amount of protection required. It is quite common for certain aspects like hospital bills and possibly a percentage of lost income to be covered by a family health insurance policy.
This means that in certain circumstances, no extra protection is required or if it is, only a small amount. Drivers that have more than their fair share of accidents are more likely to require personal injury protection even though it may cost them more. Most drivers are covered for medical expenses through their own health insurance and often for their family if they are also named in the plan but not for other passengers that may be in the car on a regular basis. If, after checking your current health insurance you find that passengers are not protected by the policy you will be required to ensure they are covered by a personal injury protection plan in the event of an accident.
Any passenger in your vehicle should feel safe so it is the driver's responsibility to ensure this is the case. If you live in a state that does not have mandatory personal injury protection you may want to add this into your portfolio. Your personal circumstances will dictate just how much insurance you need so the better your health is and the less claims you have made, will help to reduce the policy costs overall. Whatever your circumstances, you need to research it carefully so that you can rest easy knowing that you and your passengers are safely covered.
Francisco Segura owns and operates http://electricianweb.com/electrician-resume.html