Private damage safety (PIP) is extra protection to your automotive insurance coverage. It’s not obligatory within the state of South Carolina so you need to buy it particularly on the time of renewing or buying your insurance coverage coverage. It’s generally known as no-fault insurance coverage as a result of it doesn’t matter who brought about the accident to obtain advantages below this protection. What does PIP cowl? PIP is offered to you regardless if the opposite individual concerned within the accident has insurance coverage or not. PIP will cowl your medical bills, misplaced wages, funeral bills if any, and the medical bills of your passengers injured within the accident. It doesn’t cowl harm to your car or ache and affected by the accident. One of many main advantages of PIP insurance coverage is that it permits you to care for your medical payments shortly so that you do not need to take care of the medical supplier making calls and chasing funds from you. An skilled automotive accident lawyer can get your medical payments paid for earlier than there is a settlement in your case and use the PIP to do it. Is there any Cause why you shouldn’t have private damage safety PIP? To be direct, no. Effectively I say that with the caveat that there’s clearly a monetary value to getting extra insurance coverage protection, it isn’t free, so there may be some drawback to it. However in actuality, the price is low particularly when in comparison with the advantages obtained if in case you have the extra protection. Keep in mind when shopping for insurance coverage you’re planning for defense of the unpredictable so do your self a favor and your loved ones for that matter and make the choice to buy private damage safety. The quantity of protection which you can buy is restricted by your individual insurance coverage coverage limits. Automobile insurance coverage is usually considered who can get me the most effective deal and the most cost effective. You solely must look on the TV to see quite a few ads promoting how low cost their automotive insurance coverage is in comparison with different corporations. A very powerful suppose to consider automotive insurance coverage is that you’re planning for the worst and hoping for the most effective. If you’re unlucky sufficient to be concerned in a critical auto accident and can want intensive medical care, do not put your self within the place of getting a heavy monetary burden of not having sufficient insurance coverage to cowl your wants.