Personal injury insurance, sometimes called personal injury protection, is a part of an auto policy that covers medical expenses and lost wages. It is also called no-fault coverage because it pays regardless of who is found at-fault in a vehicle collision.
When you have personal injury protection and are hurt in a car accident, you can receive the maximum amount of benefits whether or not you are the at-fault party or the victim. It will not only cover the cost of medical expenses, but can cover things like transportation costs. This coverage is mandatory in 13 states, Georgia not included, but is also sometimes mandatory according to a finance company when you purchase a vehicle.
In Georgia, the coverage is optional but recommended. Each state also has coverages under PIP that are considered permissible and not permissible. For example, if your doctor recommends or you seek acupuncture following a car accident in Utah, the cost will be covered. California, on the other hand, does not consider this type of treatment covered.
When you are injured in a vehicle collision, you have the legal right to seek compensation for your injuries. This is true whether or not the insurance company has offered you a settlement. In fact, it is typically recommended that you at least consult with a personal injury attorney before accepting any monies from an insurance company. An insurance company may not offer you all that you are entitled to, and they may not offer you all that is needed to compensate for your financial loss.