Understanding Personal Injury Protection Coverage in North Charleston

Drivers deserve to have the best coverage possible in the event of an accident. Although some drivers understand the full extent of their coverage, many drivers lack in understanding personal injury protection coverage in North Charleston and whether they have it. For help with verifying your insurance coverage, contact a dedicated attorney today.

What is Personal Injury Protection Coverage?

Personal injury protection is an optional coverage that drivers can get in North Charleston, South Carolina. It covers not just their medical bills but also other expenses that are related to a car accident and their injury. Regarding common damages such as medical bills and missed time from, their personal injury protection coverage can kick in and cover it.

It is a specific coverage that drivers have to choose to elect when they are talking with their insurance agent. They have to choose and pay for it but it can be really nice to cover some of their out-of-pocket expenses as well as their medical bills when the are involved in an accident.

How Does PIP Coverage Impact a Car Accident Case?

One of the biggest things to note about PIP coverage is that they pay out is received fairly quickly by the victim. They do not have to wait until they are done with medical treatment, nor do they have to wait until their case is over. Their damages could be paid upfront as they are incurring damages. This also means that victims could get the treatment they need fairly quickly since they do not need the approval of an insurance. They can let a provider know that “Hey, I’ve got PIP coverage of up to you know, $10,000.00 or whatever it is.” That lets that provider know that “Okay, we have some assurance that there’s money to pay for our treatments,” so we can go ahead and give you the treatment that you need without having to wait for an adjuster to determine liability for example.

What Kind of Support Could a Lawyer Provide in Regards to PIP Coverage?

The first thing that a lawyer would do is investigate what coverages the victim has available to them. One of the first questions an attorney would ask is whether they have MedPay or PIP.

Surprisingly, many people honestly do not know whether they have this type of coverage. As a result, an attorney would ask to get their declarations page, and then they reach out to their insurance company to see what coverage is there. So, being prepared when they meet with their lawyer to have all of the information that they are going to need is really important and getting them accurate information is also really important.

They are going to want to know things like how many cars they have at the house, what policies they have on those cars, what insurance companies do they have policies with, when did they get the policies, who lives in the house, who drives the car, et cetera. So, if they have accurate information, it can speed up their lawyer with getting them access to all the necessary coverage or appropriate coverage that might be available.

For help with understanding personal injury protection coverage in North Charleston, schedule a consultation today.


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