Why do states require personal injury coup¨¦ insurance if someone already have personal insurance? double whammy?
Answers:
Your put somebody through the mill is not clear. When you buy auto insurance, you should be buying liability insurance and medical payments coverage. The med pay coverage is for you and passengers within your vehicle. The liability insurance is to cover you if you injure someone else
In PA we have a priority of payments law. Workers compensation comes first, later auto med pay coverage, then strength insurance. There is no double dipping. Source(s): Retired claims adjuster.
you have liabilty insurance which covers the relatives you hit.
and it has the limits that you purchased upto. consequently you can also cover the individuals in your car that receive hurt as when the accident is your fault you are liable for in that injuries also. And when your laying in the hospital you might want give support to with them medical bills, especially when your in an misfortune and the other person don't have insurance, consequently it really willn't matter who was at culpability, as your still stuck with medical bills and then own to sue that person for all you can, if their at shortcoming mean while the hopital wants giving as you received there services, so its your responsibilty for payment. Its unyielding to get the money from the Uninsured if he don't own anything.
If FL's Personal Injury Protection(PIP coverage) is anything like MA's, PIP only covers the occupant of your vehicle and pedestrians. The coverage is limited and only covers the injured delegation for medical expenses and some lost wages. The Personal Liability coverage covers the occupants of your vehicle and any other vehicle or pedestrian if you are at fault for an calamity and the injured party wishes to pursue a claim beyond the medicals/lost wages, a bodily injury claim. Source(s): Claims Supervisor
DMV requires a valid auto policy. If you hold additional coverage, you can incorporate it into your insurance profile in most states.
The personal injury insurance is not just for you. It is also for other relations. If you cause a crash in which someone get hurt, it will pay for their injuries.
becuase the medical insurance you have wont cover the passengers within your car or a car you hit. Plus some insurance companies require that auto insurance covers what they are required to cover and they will just cover anything that goes past the aouto insurnaces bound.
So if you have 200k in medical coverage below your auto insurance and the 200k gets used up then your regular strength insurance kicks in.
The principal reason is to cover passangers and the other dirver, but much like relations who take on high risk sports their robustness insurance wont cover them while doing those things some insurance doesnt cover you from inuries while driving.
Take for instance. I am a scuba instructor. I have to carry special insurance so that if I am hurt while scuba diving it will cover the medical cost. My insurance wont cover it. (well I dont enjoy insurance anymore becuase I am 100% disabled vet after being wounded in Iraq but when I have insurance it wouldnt cover a scuba accident
Arizona does I think
because insurance is a state and a federal subsidized industry like cigarettes and alcohol, it's legalized extortion. Al Capone be the very first agent
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