Do I Need Pip If I Have Health Insurance?
Personal Injury Protection (PIP) is an auto insurance coverage that pays for the medical expenses lost wages of the driver passengers involved in a car accident regardless of who is at fault. Health insurance on the other hand is a type of coverage that pays for medical expenses as a result of illness or injury. So if you have health insurance do you still need PIP?
Understanding PIP Health Insurance
PIP health insurance are two different types of coverage that provide different benefits in different situations. PIP covers medical expenses lost wages resulting from a car accident while health insurance covers medical expenses resulting from illness or injury whether it’s car-related or not.
If you have health insurance your policy may cover some or all of your medical expenses resulting from a car accident. However there may be limitations or exclusions in your health insurance policy that make it difficult or impossible to get full coverage for car-related injuries. For example your health insurance may not cover certain types of treatment such as chiropractic care or physical therapy that are commonly used to treat car accident injuries.
On the other hand PIP is designed specifically to cover the medical expenses lost wages resulting from a car accident regardless of who is at fault. It provides coverage for a wider range of treatments services than health insurance it typically has fewer limitations exclusions.
Benefits of having PIP
If you’re involved in a car accident you have PIP your insurance company will pay for your medical expenses lost wages up to the limits of your policy regardless of who is at fault. This can provide you with a level of financial security peace of mind if you’re injured in a car accident.
Some of the other benefits of having PIP include:
- Coverage for a wide range of medical expenses including hospital bills doctor’s visits surgeries rehabilitation services
- Lost wages coverage which can help you pay your bills maintain your lifestyle while you’re recovering from your injuries
- No-fault coverage which means that you can receive benefits regardless of who caused the accident
- Quick access to benefits which can be paid out within days of the accident
While health insurance may provide some coverage for car accident injuries PIP is a specialized coverage that can provide you with more comprehensive coverage for a wider range of treatments services. If you’re unsure whether you need PIP it’s best to speak with a qualified insurance agent who can help you evaluate your needs choose the right coverage for you.
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