What is Personal Injury Protection (PIP)?
Personal Injury Protection is a type of auto insurance coverage that provides first-party benefits for medical expenses, loss of income, funeral expenses, and similar expenses without considering fault. In Pennsylvania, coverage includes $10,000 in medical benefits, $5,000 in death benefits, and $2,500 for non-emergency medical conditions.
According to the Insurance Information Institute (III), Personal Injury Protection is “an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages.” Importantly, this protection covers costs for policyholders regardless of who is at fault in an accident. PIP coverage is designed to ensure prompt medical treatment and financial support for individuals injured in auto accidents, without the need for lengthy legal proceedings to establish fault.
Personal Injury Protection is particularly beneficial for minor accidents where fault is unclear, and states with no-fault insurance law, as it provides immediate coverage, reduces litigation, and provides comprehensive protection. Understanding Personal Injury Protection is crucial for drivers to make informed decisions about their auto insurance coverage, ensuring they are adequately protected in the event of an accident.
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What Happens If You’re in an Accident with a Rental Car?
When you’re in an accident with a rental car, the last thing you need is more stress trying to figure out insurance coverage. You likely have multiple layers of protection available. Your auto insurance may cover the incident, the rental company’s optional coverage could kick in, and even the credit card you used to rent the vehicle might provide insurance benefits.
If you’ve been hurt in a rental car accident, don’t hesitate to reach out to a car accident attorney at Munley Law who can guide you through this challenging time. They’ll work hard to protect your interests and help you get the compensation you deserve while taking the burden of dealing with multiple insurance claims off your shoulders.
Who Covers a Rental Car Accident?
When you’re involved in a rental car accident, there can be several sources of coverage. […]
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What to Do If the Car Seat Is Defective
Every parent remembers that first drive home from the hospital – your newborn secured in their car seat while you drive more carefully than ever. We trust these essential safety devices with our children’s lives, which makes it all the more devastating when a car seat fails to protect our little ones due to a manufacturing defect. As a parent, few things are more frightening than discovering your child’s car seat – the very device meant to keep them safe – may have put them at risk of serious injury or worse.
While no parent wants to imagine their child being harmed by a defective car seat, understanding how to respond and knowing your rights isn’t just important – it could be crucial for protecting your child and other families using the same model. If your child has been injured due to a faulty car seat, you don’t have to navigate this difficult situation alone. […]
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