6. Auto Insurance
e. Personal injury protection coverage
Some states, particularly those with no-fault laws, require this coverage. Even if it is not required, you should consider purchasing it because it covers not only doctor bills but also wages lost because of an accident. It also covers the cost if the insured person is injured and must hire someone to assume responsibilities, such as household chores, that he or she cannot do because of the accident. Suppose you are a young parent with small children. If you are unable to care for them after an accident, this coverage will provide money to pay someone to come into your home and take care of them.
This coverage is generally inexpensive.
Who is covered?
- Policyholder’s relatives in the same household
- Other authorized drivers
- Policyholder and family members if they are injured while riding in someone else’s car or as a pedestrian when struck by another vehicle. (in some states)
Additional Personal Injury Protection is available in some states. Additional Personal Injury Protection acts as a supplement to the Personal Injury Protection coverage required by your state.