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Personal Injury Protection

Written by Kathleen Gagne
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In some states personal injury protection is a required extension of automobile insurance. PIP, as it is commonly called, is generally affordable. When there is an auto accident that results in injuries, personal injury protection steps in to cover medical expenses. Hospital and doctor bills are covered no matter who is deemed to be at fault in the accident.

Personal Injury Protection Options

In states where there are no-fault laws relating to automobiles, each driver's own insurance is required to pay for medical bills. There may be no determination of legal liability in these states; however, some states allow legal action if the injuries or the cost of the injuries exceed a pre-determined threshold. In those states, personal injury litigation may provide monetary redress over and above the exact cost of medical expenses.

A threshold of injury is usually established based on a dollar amount and on such issues as injury resulting in disfigurement, permanent disability or death. The laws vary from state to state, so it's important to obtain the services of a qualified, experienced attorney who can advise you on the merits of your case and what kinds of actions may help you to have the best possible quality of life. Some of the other elements covered under personal injury litigation in these states include long-term medical care, awards for pain and suffering, and the replacement of lost wages or lost earning capacity.

Finding Personal Injury Protection Attorneys

Some lawyers specialize in handling personal injury cases, especially those cases in which the cost of the injury far exceeds the amount allowed by basic personal injury insurance. Many personal injury attorneys practice law in multiple states and advertise their firms on the Internet. You may even find one whose website offers testimonials from satisfied clients. In addition to internet searching, you can also contact your local bar association for referrals to personal injury attorneys in your area.


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