Personal Injury Protection

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Personal Injury Protection-Known as PIP in Michigan

Personal injury protection is about as simple as it sounds.  It covers your injuries that are sustained in your automobile due to some sort of an accident.  Exact details need to be explained by your agent, or us over the phone if we are your insurance agency in Michigan, but there are two basic ways to be covered with your PIP.

The first is full medical, or PIP coverage.  This means that you don’t have any health insurance that is going to be involved if you are hurt in your automobile.  This can come with deductibles to help offset the cost, but choosing this option means that your insurance company will pay all medical bills minus the pre-set deductible.

The second way to carry (PIP) is to have it coordinated with your health insurance carrier.  This is something that people just assume and could cost you money in the long run.  You need to call your health insurance provider to make sure they coordinate with your Michigan auto insurance.  You just call the customer service number on the back of your card and ask if they will pay if you are hurt in an automobile accident and they should be able to give you a yes or no answer.  Medicare and Medicaid doesn’t coordinate with your Michigan auto insurance.  If you have these, then you need to select the full medical option.

This is just a basic description of Personal Injury Protection, I.E. (PIP)  For in depth information, please call us, or your insurance agent to make sure you are properly covered in the event of a claim.

If your not insured with us, you should get Michigan Auto Insurance Quotes now!  Also read 3 steps to save on Michigan car insurance for more knowledge to get the best deals.

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