Whenever a person gets into a car accident in California, they may have the option of selecting who they would like to designate as their main health coverage provider. If a person has health insurance, they have the option of selecting their health coverage provider as their main outlet for medical care. In these cases, if a person gets into an accident, their health insurance will pay first and then their car insurance would provide any additional coverage needed through personal injury protection.
Apart from the basic insurance that a person is required to have on their vehicle, they are also allowed to apply for additional liability insurance protection. This form of insurance provides additional monetary protection in case someone files a lawsuit against them for an accident. It also protects a person from personal injury liability.
Every driver is expected by the law to carry car insurance. Drivers are not expected to already have their license when purchasing a policy, but it is always in a person’s best interest to apply for the policy as soon as possible since they will not be able to drive their vehicle without one. It is important to note a person will not be able to purchase insurance for a vehicle that they do not own, or they are not co-owners of.
What is covered through personal injury protection in California?
Personal injury protection is also known as no-fault insurance and it helps cover a variety of expenses after a car accident, no matter who is at fault for the collision.
The following damages are generally included:
- Medical bills
- Funeral costs
- Lost wages
- Survivors loss
A person can also get coverage for essential services through PIP. PIP can help a person pay for additional services such as childcare and housecleaning until a person is recovered and they are better able to take care of themselves again.
However, it’s important to note that PIP will not cover a person’s property damage or the other drivers’ injuries in the collision. It also will not cover injuries incurred when a person was fleeing the police and injuries incurred when a person was paid for their driving. To get more out of one’s insurance policy, individuals should try applying for other forms of insurance such as bodily injury liability insurance and property damage liability insurance.
Get in touch with an insurance attorney as soon as possible to learn more about what insurance is best for them and what they can do to ensure a successful insurance claim is filed.