If you drive anything like the majority of drivers I see on the road, it’s a miracle anybody gets anywhere. Most drivers speed, fail to use their signal lights, follow too closely and accelerate through yellow lights, just a few of the many infractions I see every day. Maybe my town is worse for this because we’re all a bunch of inbred hicks. It’s a proven fact country folk can’t drive. Hey, there’s never any other traffic on the ol’ farm.
Considering all the crazies out there, you’re gonna want to make sure you’re covered. No, I’m not talking about you specifically – after all, we’re all better than average drivers, right? I’m talking about the nutjob driving the other car. He’s gonna pull right out in front of you one day, probably while talking on his cell phone to his unattractive wife. He’s gonna smuck your car up good, because he’s a farmer who drives a big-ass farm truck and you drive a little Ford Focus like a pansy.
But, all isn’t lost, right? That’s why you have car insurance. Sure, you might get hosed on the value a little, but for the most part insurance companies will pay out pretty close to what the car is worth. (Assuming, of course, that you purchase the part of the insurance that covers the value of your vehicle) That’s all fine and good, but what happens if you get hurt in the collision? Do you really think farmer Brown is really going to just mail you a big wallet full of $20s to compensate you for your time off work?
Enter PIP insurance.
It stands for personal injury protection insurance, and it covers all sorts of expenses if you’ve been in an accident, no matter who’s at fault. Even if you were the one texting, PIP insurance will cover the cost of all sorts of medical care. It’s no-fault insurance, so nobody really cares who was responsible for the collision.
What type of things does PIP insurance cover? It can cover a percentage of lost wages, as well as all sorts of medical expenses, dental expenses, ambulance transportation, any prescriptions (but probably not Viagra), and even funeral expenses in case Farmer Brown really hits you hard. Basically, it makes sure that you’re not going to get financially ruined by a bad car accident.
Not only does it protect you, but it also protects any passengers in your car, even your annoying friend. So even though you may want him to go through something unpleasant, he can at least be assured that he’ll be protected in case of an accident.
This insurance has been around for a while, and most car insurance companies do offer it. In fact, in certain US states, it’s mandatory. Like with any insurance, you can save money on PIP insurance if you just take some time and shop around. The interwebs make that easy.
Being in a car accident is stressful enough. Don’t add to the stress by having to worry about all sorts of medical related bills on top of everything else.