The general perception of personal injury insurance is that it is exclusively tied to car insurance, which makes sense as the majority of injuries occur in vehicle accidents. The National Highway Traffic Safety Administration reports that in 2011 alone, 2 million people were injured out of 100 million vehicle miles. It is hard to put that number in any tangible terms, but millions of people are being injured yearly, and these people are facing medical expenses that can ruin credit. A reputable personal injury attorney can pursue a case here.
There are areas such as worker’s compensation that account for injuries on the job, but many people leave it at that. PIP, also known as personal injury protection, seems to be exclusively used in car insurance but, could there be more uses for personal injury insurance? Home insurance may encompass personal injury, meaning any injury that happens on the property, either first or third party. Some people may try to push that to a car insurance provider, and they often lose.
The problem with home owner’s insurance covering personal injury is that it rarely accounts for emotional injury, and these are the kind of outstanding issues that are almost immeasurable. Trauma and emotional turmoil in the aftermath of an injury can be hard to put in any financial sense. Car insurance companies find it to be equally troublesome, which is why they offer comprehensive coverage to account for any kind of emotional damage that may occur.
It is important to remember that PIP is a no fault attribution, meaning that the coverage will be applied no matter who is determined to be at fault. Now lawsuits can come up from this, and certain payments can be minimized depending on who is at fault and by how much, but the PIP is designed to be as all-inclusive as possible.
This may be why so many people keep personal injury specific to car insurance. Most car insurance will cover emotional expenses if a reputable personal injury attorney, such as Nettleslawfirm.com, is behind the case. Insurance companies with good reputations will include packages offers that are respectful of all the many possibilities that could occur in the aftermath of a personal injury.
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