Car insurance coverage can be confusing, especially when trying to compare policies between different providers. You want to be an informed consumer and make sure you’re covered in the event of an accident, especially if you’re at fault. So, in Palm Beach Gardens what is the difference between bodily injury and personal injury protection?
What Is Personal Injury Protection?
In relation to auto insurance, personal injury protection, or PIP, is coverage for medical expenses and other related costs for you and your passengers in your vehicle in the event of an accident. Even if you have health insurance, PIP is beneficial when you have a high deductible and/or you lose wages as a result of your accident, as you can be reimbursed for lost income.
What Is Bodily Injury in Palm Beach Gardens?
Bodily injury (BI) liability insurance covers people that are injured from an accident for which you are at fault. Like PIP, it covers medical and other related expenses. Additionally, it covers legal fees incurred in a civil lawsuit.
Are Both Required by Law? How Do the Two Differ?
In the state of Florida, PIP is required but BI is not. In order to drive a car, you must have state-minimum PIP coverage of $10,000.
The difference between the two is not only in legal requirements but also in that personal injury coverage is used to cover medical expenses for you and the passengers in your car regardless of who is at fault from an accident in Florida.
Also, your coverage for bodily injury in Palm Beach Gardens does not have a deductible while PIP may if you so choose.
Concerned About a Personal Injury in a Car Accident Near Palm Beach? Turn to the Experienced Attorneys at Steinberg Law!
Whether you’d like to be sure you’re covered in the event of an auto accident with the right PIP and BI insurance or you’re involved in a personal injury lawsuit, choose the best in Palm Beach Gardens! Call the office of Brett Steinberg Law today at 1-877-STEIN11 for your complimentary consultation and find out why more South Floridians choose us for PI representation!