When To Use Insurance To Cover Personal Injury

Coverage in Personal Injury

When selecting the proper coverage for accidents and injuries, everyone should take the time to explore the options available with personal injury coverage. This type of coverage helps to protect people should they get injured and have large medical bills to pay.

Interested parties, however, should consider factors such as their health insurance coverage, their personal financial situations, and their driving record.

A competent personal injury attorney can help you understand when this type of insurance can help you make informed decisions about this type of care.


When Personal Liability Insurance Is Used

Personal liability insurance works along regular car insurance to protect a person in the event of an accident. If a person is injured in an accident, the medical bills can result in a person having to recover financially and medically.

Personal liability insurance can help a person recover a significant portion of the costs associated with their medical treatment.

Types of Personal Liability Insurance

Bodily Injury Liability

This coverage provides coverage for those injured because of the actions of another, but it cannot be filed if the injured driver is the one at fault. To file the claim, the injured party must contact the negligent party’s insurance.

Since this type of claim is dependent upon one particular driver being at fault, claims made can be challenged.

Protection against these claims is required by all insured drivers except for in the state of New Hampshire.


Personal Injury Protection

This coverage provides financial assistance regardless of who was at fault for the accident within a predefined limit. It also helps with costs associated with injury, such as loss of wages.

This insurance type is only required in twelve states and the District of Columbia. Some other states also offer it as an option.


Medical Payments

This protection has very strict limits for what it will pay. It is typically a good option for those with limited health coverage, but coverage is optional and not available in all states.


Have Specific Questions and Need Answers?

Personal injury protection is another way for drivers to ensure that their finances will be sure should they be in an accident.

Those interested in these types of insurance should examine their options as well as their local state requirements and available types of coverage to see what might fit best with them and their lifestyles.

Contact a Tucson personal injury attorney today for more information.