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  • Writer's pictureRobert Schuerger II

The Ins and Outs: What Does Personal Injury Protection Cover in Ohio?

After a car accident, many people wonder about their insurance coverage. There are plenty of questions that injured individuals can ask themselves. One question in particular is about their personal injury protection in Ohio. This coverage, commonly known as PIP, can be a lifesaver.

It not only addresses medical bills but also lost wages and other unexpected expenses. While health insurance might handle medical treatments, PIP insurance covers rehabilitation services, funeral costs, and more.

The world of insurance can seem complex, especially in understanding personal injury protection coverage. However, having clarity on PIP and how it complements medical payment coverage is crucial for anyone on Ohio roads.

In this article, readers will learn everything they need to know about this protection, how to navigate it in Ohio and how a Toledo injury lawyer can help.

What Is Personal Injury Protection Coverage?

What Is Personal Injury Protection Coverage?

Personal injury protection, often termed PIP coverage, is a car insurance segment designed to assist victims. It's not about who was at fault in the auto accident. Instead, it's about getting help swiftly. Schuerger Shunnarah Trial Attorneys can help with questions like is personal injury protection required in Ohio?

When unfortunate events unfold, such as car accidents, PIP insurance steps in to help with medical bills that pile up, as well as covering lost wages when someone can't work because of their injuries.

Moreover, PIP covers medical expenses, from immediate treatment to rehabilitation services. Beyond these costs, it can assist with funeral expenses if the worst happens and also other non-medical expenses that may arise after a mishap.

Additionally, it acts as a safety net for many people, bridging the gap that health insurance might not cover and ensuring that the accident doesn't lead to financial struggle. It's a proactive part of auto insurance that prioritizes the well-being of individuals and their families after an unforeseen event.

What Does Personal Injury Protection Cover in Ohio?

In Ohio, personal injury protection (PIP) is a beneficial part of car insurance, focusing on helping victims after a car accident, regardless of who's at fault. Here's what PIP coverage includes:

Medical Expenses

It covers medical bills resulting from the auto accident. This includes immediate medical care, ongoing treatment, and any rehabilitation services to help victims recover.

Lost Wages

PIP can help victims if they can't work due to injuries from a car accident. Additionally, it helps compensate for the lost income, ensuring financial stability during recovery.

Funeral Costs

In tragic instances where there's a loss of life due to a car accident, PIP can cover funeral expenses, alleviating the financial burden on grieving family members.

No-fault System

Ohio operates on a no-fault insurance system. This means that one's own insurance policy will pay for certain expenses, regardless of who caused the accident.

Additional Expenses

Beyond the typical medical costs, PIP also caters to other expenses, such as transportation to medical appointments or home modifications needed due to injuries.

Furthermore, while PIP coverage is optional in Ohio, understanding its potential benefits is essential. It protects against unexpected costs, ensuring those affected by car accidents can focus on healing without worrying about their financial challenges.

What Isn't Covered under PIP?

While personal injury protection (PIP) provides a safety net for many people after an auto accident, it's essential to recognize its limitations. This coverage offers a broad scope, but there are specific costs and cases it doesn't cover. Here are some key exclusions:

Vehicle Damage

PIP focuses on the individual and their injuries, not the car. Any damages to the vehicle fall outside the purview of this coverage.

Health Insurance Overlap

If health insurance already pays for certain medical bills, PIP won't pay for them again. The individual's primary insurance should handle any deductibles and medical costs.

Beyond Policy Limits

PIP insurance has a maximum limit. Moreover, if the medical payments or lost wages surpass this limit, it won't cover the excess. It's the responsibility of the victim to pay the additional costs.

Non-medical Related Costs

Additionally, PIP doesn't account for non-medical-related personal items lost during an auto accident or expenses not directly associated with injury treatment or rehabilitation.

Liability Claims

Lastly, it doesn't cover costs associated with legal actions taken against someone for causing the accident.

Awareness of what PIP doesn't cover can help individuals plan better and consider other forms of optional coverage to fill these gaps, ensuring comprehensive protection.

What Is the Difference Between Medical Payments Coverage and PIP?

When choosing auto insurance, understanding the differences between medical payment coverage and personal injury protection coverage is essential. These two insurance types might sound similar, but they offer different benefits.

Medical Payments Coverage

This coverage mainly deals with medical treatment expenses. If someone gets hurt in a car accident, the insurance company will help pay for their medical costs, regardless of who caused the accident.

However, its scope is limited to health payments. It doesn't generally cover lost wages or other expenses outside of immediate medical treatment.

Personal Injury Protection (PIP) Coverage

PIP insurance is broader in its scope. Not only does it cover medical expenses, but it can also help with lost wages and even funeral costs in tragic circumstances.

Furthermore, the PIP claim can be helpful if a family member gets hurt in an accident. It is part of the no-fault coverage, meaning compensation is provided irrespective of who's at fault in the accident. Some people even require PIP coverage as part of their insurance policy requirements.

In essence, while both offer assistance for medical bills, PIP provides additional support for other setbacks after an accident, making it an excellent choice. Knowing which one suits individual needs can lead to better protection on the road.

Importance of Having Legal Help

Importance of Having Legal Help

Dealing with a PIP claim in Ohio isn't always straightforward. The maze of insurance policies, including PIP coverage and no-fault insurance, can be challenging.

Sometimes, insurance companies might not easily cover medical expenses or other bills. That's where legal representation becomes crucial. Having a knowledgeable ally is essential to ensure individuals get the compensation they deserve.

Schuerger Shunnarah Trial Attorneys stand out in this regard. Its motto, "We go to war for you," reflects its dedication to clients. Moreover, the firm understands the nuances of liability insurance, health insurance deductible, and PIP requirements. With its help, tackling PIP claims becomes less daunting.

Closing Thoughts

Understanding PIP insurance and its relations with other types of coverage can be overwhelming. While it's meant to cover medical expenses and more, there are times when dealing with an insurance company becomes a challenge.

Trying to understand these PIP claims can be a lot to handle. Thankfully, Schuerger Shunnarah Trial Attorneys is always ready to provide valuable legal help and advice for those in need.

The company ensures that insurance pays what's due, especially when family members are involved. Additionally, for victims seeking rightful compensation, contacting Schuerger Shunnarah Trial Attorneys is a smart move, and they shouldn't hesitate to reach out to these professionals.

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