Personal Injury Protection or PIP is a type of insurance that works within the laws of most states that use a no-fault system. North Carolina is a no-fault state but does not require PIP coverage, a fact that often causes confusion. Allen Insurance Agency is here to provide you with a guide.
Personal Injury Protection: The Basics
No-fault laws mean that a person is responsible for covering their own expenses for injuries and the replacement or repair of the vehicle. The question of who caused the accident is not pertinent to who pays medical and mechanical expenses in most cases. PIP is a type of insurance that shields a driver from having to pay their own medical costs out of pocket after a collision.
There are instances where a person can sue the other driver when they are found to be at fault, but this is further complicated in North Carolina by a concept known as partial negligence. Your Allen Insurance Agency representative can go into greater detail about your specific circumstances.
Ramseur, NC residents are deemed unable to collect damages from the other party when it is determined that they share any responsibility, and this is the case even if found negligent by a tiny degree.
Indemnifications that Ramseur, NC drivers are mandated to purchase are underinsured and uninsured motorist protection in lieu of PIP. You must also purchase liability protection that pays $30,000 in bodily injury per person and $60,000 per collision and $25,000 for property damage.
It is important to determine the coverage you want extending to you in the aftermath of a wreck and to make sure you purchase sufficient coverage in this area.
Let Us Insure You
Allen Insurance Agency works hard to provide you with insurance policies to fit your situation. Reach out to us by stopping at the office, visiting us online, or calling. We look forward to serving you.
