Fe bagay nan machin: ki konsekans sa genyen, kisa ki pouse yon koup fe sa, men kisa lapolis..

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HOW DOES PIP WORK WITH OTHER TYPES OF CAR INSURANCE?

If you're injured by another driver and have personal injury protection as part of your car insurance policy, you would typically exhaust your PIP coverage first before turning to other options. If your medical costs exceed your policy's limits, you can then file a claim under the other driver's liability insurance policy. However, if you are significantly and permanently injured, or if your medical bills exceed your state's tort threshold, you may bypass your PIP coverage and file a lawsuit against the other driver.

MINIMUM PIP REQUIREMENTS BY STATE

PIP insurance is sometimes called "no-fault insurance," since a minimum amount of PIP coverage is required if you live in a no-fault state. In these states, your own insurance policy will cover your expenses—even if another driver caused the accident—unless a certain threshold is met. These thresholds, called "tort thresholds," may be either monetary or verbal, depending on your state.

Monetary thresholds require medical expenses for an individual or accident to exceed an amount designated by your state before you can file a lawsuit against another driver. Verbal thresholds specify a certain type of injury that must be met before you file a lawsuit. Although the language used varies from state to state, verbal thresholds typically specify that an individual must have sustained significant and permanent loss of a bodily function, injury or disfigurement—or death. Other variables, such as if a driver was under the influence of drugs or alcohol, can also change how tort thresholds are applied.

In addition to the 12 no-fault states, four fault-based states also require PIP coverage, and still other states allow you to purchase it as optional coverage. Here are the PIP insurance requirements for the states that allow you to purchase it: