Why is Personal Injury Protection Essential?

by | Jan 2, 2019 | Lawyers & Law Firms

You never know when an accident might happen. Unexpected events can lead to injury or even death in some cases. To be protected in these situations, it’s important to have proper coverage for the expenses that may be related to an accident. Personal injury protection is an insurance option that provides coverage of lost wages and medical care when there is an accident that results in injury. If this occurs, you may need a personal injury insurance lawyer in Miami to help you get the compensation you deserve.

Benefits of Personal Injury Protection

With the help of a personal injury insurance lawyer, your personal injury protection will help pay for a certain amount of your lost wages and most of your medical bills, depending on the policy you have. The great thing about this coverage is that it applies no matter who was at fault in the accident. If you were the cause of the accident, you are still able to collect benefits. In addition to covering you, it will also cover passengers or others involved in the accident.

How to Get Personal Injury Protection

If you do not already have this coverage on your policy, all you need to do is get in touch with your insurance agency to add it. Another perk of the coverage is that unlike most insurance claims, this is often given quickly after you are involved in an accident. Since there is no need to determine fault, you can file a claim and have the money in hand much sooner.

Choosing Your Coverage Amount

When you are determining the amount of coverage you need, you will want to consider the amount that would be needed if you were injured and out of work for a long period. If you have a large number of funds available, you may need only a small coverage amount. However, you may need more if you need things like childcare and lawn repair along with medical bills. It’s impossible to know the exact amount but getting an idea is key to getting the proper coverage level.


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