Medical bills after a car accident can be covered with Esurance car insurance personal injury protection coverage
Drivers who live in no-fault states are often required to carry Personal Injury Protection or PIP coverage in order to comply with the law. Esurance car insurance PIP coverage can offer you the peace of mind that comes with knowing you won't have to pay for expensive medical bills after a car accident, no matter who caused the crash.
Where it's available
Esurance car insurance personal injury protection or PIP coverage is only available in no-fault states. A no-fault state is one that requires a driver's insurance company to pay for a policyholder's claim, regardless of which driver caused the accident. The PIP policy covers related medical bills associated with accidents in states with these laws. For property damages, there are other policies such as Property Protection Insurance or PPI that can cover the cost of damages to your car and the other car involved in an accident.
The states that are considered no fault and are therefore places where you can buy Esurance car insurance PIP coverage are:
- Florida
- Hawaii
- Kansas
- Kentucky
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah
(Puerto Rico is also a no fault territory and you can purchase Esurance policies if you live and drive there.)
What it covers
Personal injury protection from Esurance covers more than just one or two medical bills after you are in an accident. Your Esurance car insurance PIP coverage will provide the following accident-related payments:
- Esurance auto accident disability payments
- Esurance auto accident rehabilitation expenses
- Esurance auto accident lost wages reimbursement
Knowing that you won't have to worry about time away from work due to a disability after a car accident will allow you the recover more quickly. You may also be able to have a housekeeper or dog walker to help with daily tasks if you ware unable to perform them as a result of your accident. Your Esurance agent can give you detailed information about which substitute services are covered in your policy.
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In the event that there is a fatality, you and the passengers in your vehicle are covered for auto accident funeral expenses with Esurance.
How much will you need?
When you purchase a personal injury protection policy, you will want to talk to your Esurance agent about how much coverage you will need. If you carry private health insurance that provides good health benefits, you may not need to purchase a PIP policy with high limits. On the other hand, if you don't have private health insurance or if your health insurance does not provide you with adequate coverage, you may want to set your PIP policy limits higher. Remember, with PIP coverage, you may be able to recover wages lost while you are recovering from your injury, which is a benefit that your health insurance does not likely offer.
(Use this guide to understand all the car insurance options available with Esurance)
Choosing the right insurance coverage limits and options now can save you from unneeded stress and exorbitant medical bills after a car accident. If you live in a no-fault state, consider adding Esurance car insurance personal injury protection (PIP) coverage to your car insurance policy. To know for sure if this is a good option, you may want to speak with a licensed, experienced car insurance agent with knowledge if Esurance. Reply! can help by connecting you to local car insurance agents eager to help you purchase your next car insurance policy.