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Required by law to pay for injuries or damage you cause to others in an accident. ... You need to buy personal injury protection coverage if you live in a no-fault (versus an at-fault) state ...
Most often, your insurance company will write bodily injury on a per person, per accident basis. For example, you may see $25,000/$50,000 listed under bodily injury on your auto policy.
Personal items in a vehicle that are damaged due to an accident typically are not covered under the auto insurance policy. Any type of property that is not attached to the vehicle should be claimed under a home insurance or renters' insurance policy. However, some insurance companies will cover unattached GPS devices intended for automobile use.
When shopping for car insurance, some companies will give you the option to have a 6-month or 12-month policy. ... How To Get $340 Per Year in Cash Back on Gas and Other Things You Already Buy ...
Typically a PIP claim is made by the insured driver to their own insurance company, however, there are several exceptions that allow persons who have been injured in an accident to make a PIP claim if they do not own a vehicle. The particular state law and policy language of the insurer should be reviewed to see what exceptions exist in that state.
Like accident insurance, disability insurance pays the insured directly if they are injured in a way covered by the policy. However, disability insurance only pays if the injury prevents the insured from working. [3] Accident insurance benefits are paid whether or not the insured misses work as a result of the accident.
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