Personal Injury Protection (PIP) is a very important no-fault auto insurance that covers lost wages, medical bills and other expenses incurred due to an auto accident for you and all your passengers, regardless of who caused it. This provides quicker access to needed funds. It is not only a good idea, but it’s mandatory in the state of New Jersey. PIP supplements health insurance and will cover you even if you are injured as a pedestrian or riding a bicycle. The payment is prompt so that there’s no need to wait for liability claims.
Other Features of Personal Injury Protection
PIP covers not just medical expenses and lost wages but essential services. If, for instance, injuries from an auto accident forced someone to have to hire a babysitter or housekeeper, PIP would cover their payment. In a worst-case scenario where funeral expenses were needed, PIP could have that covered. Even if you are not at fault for the accident, PIP can be used immediately after an accident. This is very advantageous if anyone involved needs medical attention urgently. It will cover anything not currently covered by your health plan. Even if the accident turns out to be your fault, PIP will still pay for injuries. Do keep in mind that PIP does not cover property damage or pain and suffering.
E.S.T.I.R. Inc. Serving Bloomfield, NJ
If you are in the Bloomfield, NJ area and in need of auto insurance, please contact us at E.S.T.I.R. Inc. We will put you in touch with one of our helpful agents to get you the policy you need.
