Whether it's required by your state or just an option you're considering, getting Encompass car insurance personal injury protection (PIP) coverage could be a smart move for you and your family
Auto insurance offers you financial protection in the event of an accident. This can be extremely useful as you can be held liable for expenses resulting from an accident if you don't have insurance. Your Encompass car insurance personal injury protection (PIP) coverage will protect you, your passengers and any named insured family members up to your coverage limit, regardless of who's at fault in an accident. You and any passengers in your car will be compensated for lost wages and medical costs. You can also be compensated for indirect costs that develop as a result of your injuries such as child care or travel expenses.
Required in some states
In some states, your Encompass car insurance PIP coverage isn't only helpful, but also required. PIP coverage is a form of no fault car insurance protection and for several no fault states, licensed drivers are required to carry PIP coverage in addition to the liability levels required by that state. Those states include:
- North Dakota
- Pennsylvania
- Utah
- New York
- Minnesota
- New Jersey
- Kentucky
- Michigan
- Massachusetts
- Florida
- Kansas
- Hawaii
- The District of Columbia
Just as they do with liability coverage levels, these states set minimum coverage limits for PIP coverage. Insurance experts all recommend that drivers try, whenever possible, to put in place coverage levels that exceed any state minimums as a way to reduce your level of financial risk.
A good option. even when it's not required
Even if you don't live in a state that requires you to have PIP coverage, if you can afford it, the coverage will protect you from having to pay out of pocket for expenses, even if you're at fault for an accident.
Do your family a favor and get free car insurance coverage quotes here
Your Encompass car insurance PIP coverage will pay for auto accident funeral expenses. Encompass will pay up to the coverage limits you select, which is why it's important to choose high limits. You can also rely on Encompass for auto accident disability payments. It can be comforting to know certain expenses will be paid by Encompass in the event that an accident leaves you unable to go back to work immediately or even for an extended period of time
Auto accident rehabilitation expenses can add up fast, so you can rest easy knowing you can also rely on Encompass for auto accident lost wages reimbursement as part of your PIP coverage package.
It actually works with your health insurance coverage
Many drivers don't consider an option like PIP coverage because they have health insurance coverage, either through their work or through a policy they put in place for their family. On the surface, it can appear that all the coverage protection afforded by a PIP option is already covered by a health insurance plan. Encompass car insurance personal injury protection (PIP) coverage is actually desgned to work with any health insurance coverage you may have and can actually fill in a few gaps that exist in most health insurance plans.
For example, most health insurance coverage plans have condsiderable deductibles and co-pays that must be met before treatment coverage is paid for. Many health insurance plans also restrict full payment to providers who are part of your coverage network. PIP coverage pays for treatment without regard to those restrictions. While you likely have all your family members covered on your health insurance plan, there's no guarantee that all of the passengers who may be riding with you at any time are on your health insurance coverage. With PIP as an option, all your passengers will be protected.
While many people decline adding additional coverage to their insurance policy if it's not legally required, smart drivers know it's beneficial to get as much protection as you can afford. To know for sure if adding Encompass car insurance personal injury protection (PIP) coverage would be a smart move for you, it might help if you spent some time speaking with an experienced and licensed car insurance agent with accesss to leading companies like Encompass. Reply! can be of service to you in this effort by connecting you to car insurance agents near you who will be eager to help you and your family get all the car insurance protection you need.