A lot of people ask me, "what are personal injury protection benefits and why do I need them?" Personal injury protection benefits, or "PIP benefits," are benefits on your own insurance policy that will pay your medical bills and lost wages up to the limit of your benefits if you are ever in an automobile accident. The second question that people as is; "Bruce, isn't it true the other person is responsible for paying my medical bills and lost wages if they are at fault?" The answer is yes, their insurance company is responsible, but they probably won't pay your medical bills or lost wages until it's time to settle your case, which could be months after the wreck.
Too many people have been forced to settle their claims early because they needed money for their lost wages, or needed money for medical treatment. With personal injury protection benefits, you can take the time off from work you need and get reimbursed by your own insurance company. You can see your doctor and get the tests you need and get reimbursed by your own insurance company. You should remember, even if your medical bills and lost wages are paid for by your own insurance company, the other person's insurance company still owes you your full benefits, including the lost wages and medical expenses.
If you have any questions, ask your insurance agent "Do I have personal injury protection benefits?" They are relatively inexpensive. $10,000 benefits can cost as little as $100.00 a year. It's the best insurance you can have.