Is personal injury protection policy coverage useful?


The personal injury protection policy is a limited coverage policy that provides protection for the medical and hospital expenses of the insured person and other passengers in the vehicle, along with any pedestrians that were struck by the car. If any death had occurred, this personal injury protection policy would cover the funeral expenses also. Without regard as to who is at fault, this policy coverage would contribute to the own injuries of the insured on a first-party basis. The following persons would be covered under this personal injury protection policy.

  • The policyholder
  • The relatives of the policyholder living in the same household
  • The passengers in the car involved in the accident
  • The other drivers authorized by the policyholder
  • The policyholder and the family members if they were injured when they were riding in the vehicle of someone else
  • A pedestrian struck by the car of the policyholder (this is applicable only in certain states)

The coverage limit in this personal injury protection policy depends on the state law. A few states offer varying limits, while other states had set fixed amounts like $10,000. If a person does not have a health insurance that would cover the expenses listed above, this personal injury protection policy would provide additional medical coverage. Moreover, this policy is highly beneficial for person who carpool or those who drive frequently with several passengers.

In certain states, additional personal injury protection policy could also be purchased. Some insurance companies also offer these additional personal injury protection policy coverages. This additional coverage would supplement the main personal injury protection policy cover, when the main policy coverage is insufficient to meet the damage costs. The state of Kentucky has provided for guest personal injury protection coverage for the guest passengers in the vehicle. If all the drivers on the list of the policyholder had rejected no-fault cover, this policy would be required.