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Personal injury protection (PIP) coverage is a provision in an insurance policy that helps pay medical expenses up to a certain amount after an accident, regardless of fault.
While this coverage is not mandatory, it is always advisable to obtain this additional coverage because it is inexpensive and can be useful following any car accident that results in medical bills. When you are injured, seek legal help from an experienced car accident lawyer rather than try to deal with the insurance company on your own. Working with a lawyer could help you focus on healing and ensure you are paid all the money you are due from your personal injury protection coverage in Cook County.
Because this coverage is typically limited to a certain dollar amount, it is important to make use of the available coverage in a strategic way. It is always best to have medical bills paid by private health insurance, public aid, or Medicare first.
Medical payments coverage can be used for deductibles or copayments and is a valuable resource on any insurance policy. When someone is involved in an accident due to someone else’s negligence, they may still be able to use medical payments coverage to pay their medical bills up to a certain amount.
Many different insurance companies could be involved in a car accident case, so it is smart to discuss the possibilities with a Cook County lawyer who is well versed in personal injury protection coverage.
One common misconception about PIP coverage is that medical payments are free money. That is not the case. If they make a recovery, they must pay back any medical payments benefits to their insurance company.
When people are comparison shopping for car insurance, price is usually an important factor, so they may decline certain options like medical payments coverage because it will raise their premium. Medical payments coverage is inexpensive and can be helpful following a car accident with injuries. The premium payment may be slightly higher from month to month, but it is unlikely be more than the high medical bills that could come after an accident. It is a good idea to always include medical payments coverage when selecting an automobile insurance policy, and to consult an attorney about personal injury protection coverage in Cook County.
Many factors influence the ultimate outcome of a car accident claim. In addition to liability coverage for the negligent driver, even if you are the one found to be at fault for the accident, there may be medical payments coverage that come into play for the vehicle in which they were traveling.
Dealing with the terms of policies from various insurance companies can be complicated and fraught with pitfalls. A lawyer will understand medical payments coverage and is in the best position to advise a person as to their rights, as well as the proper course of action when claims involve personal injury protection coverage in Cook County. Call our firm and schedule your consultation.