Car insurance is mandatory in the US for all people who have a driver’s license and car use. So what is car insurance with personal injury and how does this insurance benefit the driver? Read our full article today to get the most useful information about car insurance personal injury.

Car insurance personal injury
The car insurance personal injury in the US is mandatory

In the previous post, introduced people to the Best learner driver insurance, to get more information people can read the article Some features of the best learner driver insurance you should know. Now, let find knowledge about car insurance personal injury in the post today.


Just like a lot of article posts such as cars with cheapest insurance rates, Cars with cheapest insurance rates, compare car insurance, auto insurance Troy Mi…, this post about car insurance personal injury also includes some main parts.

1. What is the car insurance personal injury?

Personal injury car insurance includes medical bills and lost wages when you or your passengers are injured in a car accident. This insurance is optional in most states. However, 16 states require you to bring the minimum amount of car insurance. Personal injury of car insurance may overlap with your health, but there are times when many policies are recommended.

It pays medical bills and recovery costs for you and your passengers after you are injured in a car accident. Personal injury of auto insurance also extends to the cases when you are a passenger on someone else’s car or if you are hit by a car when walking or cycling.

Personal injury insurance is different from bodily injury insurance in that, while personal injury insurance coverage pays for your expenses, liability insurance pays for medical expenses. of drivers and passengers on other vehicles when you are at fault for an accident.

Personal injury insurance may include some insurance similar to your health insurance or Medical Payment policy. However, personal injury insurance for car insurance is specifically written for car-related injuries, sometimes excluded from health insurance policies and this insurance covers some additional costs.

Car insurance personal injury
The car insurance personal injury in the US is mandatory

2. How do people can file a car insurance personal injury?

You send a request like any other insurance, online or by phone. Personal injury of car insurance will help pay for necessary medical expenses right after the accident. But for continuous, non-urgent complaints, you will be asked to review or approve your treatment plan in advance with your chosen insurance company or a processor.

The auto insurance provider may also approve partial refunds, or even have your health care provider checked. The amount of your policy may vary depending on your program and your state.

It is important to follow the process and timeline of your auto insurance company. New York requires that all medical bills be submitted within 45 days of treatment to be considered for payment; On the other hand, written explanations must be provided. Ask your insurance agent about their process requirements asking for car insurance personal injury and keep a copy in case you get hurt.

3. The minimum car insurance personal injury requirements by state

State Minimum PIP Requirement No-Fault State? Tort threshold=
Delaware $15,000/person, $30,000/accident No
Florida $10,000 Yes Verbal
Hawaii $10,000 Yes $5,000
Kansas $9,000 Yes $2,000
Kentucky $10,000 Yes $1,000*
Maine $2,000/person No
Maryland $2,500 No
Massachusetts $8,000/per person Yes $2,000
Michigan unlimited Yes Verbal
Minnesota $20,000 for medical expenses, $20,000 for non-medical expenses Yes $4,000
New Hampshire Optional No
New Jersey $15,000 Yes Verbal*
New York $50,000 Yes Verbal

If you are in a car accident in the US, you should get compensation from the car insurance company. To get the best compensation for car insurance, you need to hire a car lawyer. You can read some articles of us about the car accident attorney/lawyer such as accident attorney Riverside CA, Phoenix accident attorneys, Louisville accident attorney, auto accident attorney Colorado Springs…

Besides, there are more and more people suffering from mesothelioma disease or pleural mesothelioma disease, they must have their own compensation policies. To get the total compensation, people should hire a mesothelioma attorney, they will help you. To read more about compensation for mesothelioma you can click into the articles such as mesothelioma lawyer directory, compensation mesothelioma…

Car insurance personal injury –