subject: Personal Injury Insurance - Who Needs It? [print this page] Here is a scenario to think about: A person is driving and following all the rules of the road. He stopped by the red light but then, all of the sudden a car from behind slammed into his car and it caused considerable injuries like a broken neck and bruised arms. The drunk driver got out and verbally attacked the individual instead of helping him out. The scenario could be a bit of stretch for creative writing but the conditions are all perfect for considering a personal injury claim. Whether an automobile accident, a verbal assault, medical malpractice or lack of insurance policies, the individual needs personal injury insurance as a protection in any case a similar event could happen.
Most especially for auto-related accident, the personal injury insurance is part of the overall auto insurance policy plan. The protection of the drivers and the cars are covered in the policy. This insurance is a requirement in most states around the United States and there is a strict rule for this policy. In the case of the liable party, if he or she was found in court as legally liable for the claims of the victim of the physical damage inflicted into their bodies, then the insurance of the liable individual will pay for the damages like the paying for medical treatments, travel costs and sometimes even lost salary and others. Each state has a limit to the extent of the bodily injury limitation and so it is essential for individuals to be knowledgeable about these technical aspects.
The personal injury insurance is also called as no-fault insurance and this is often applied as coverage to medical expenses of any driver who had an automobile accident as long as they are covered with the insurance. This is also called as no-fault because the insurance will cover the medical expenses no matter who caused the alleged injury to the individuals. As long as it is auto related, these no-fault or personal injury insurance for cars issues will handle fees for the doctors, the hospital and equipment.
There is also personal injury insurance for those who live the riskier side of life by taking sports. Sports related injuries such as in parasailing, skiing and other sports an individual engages in will have the coverage of personal injury insurance. Compared to the general personal injury insurance, these sports insurance have a much higher price tag because of the higher risks and clear and present dangers of engaging into extreme sports.
An individual who likes to take risks or a family who is thinking of getting a safety blanket in times of trouble and accidents can both take personal injury insurance to ensure that they are covered whenever the conditions call for action. It is essential for individuals to make a bit of a research regarding the insurance policies, the benefits, what is covered and if these policies follow the prescribed policies of the state. It is important to get personal injury insurance so that the pain and expense of medical bills can be handled by a supportive team for your benefit.
by: Sunil Punjabi
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