Why Get PIP Insurance in Wisconsin?
Posted by PKSD Law Firm on Nov 13, 2019 in Personal Injury News
Motorists in Wisconsin are not required to carry personal injury protection (PIP) insurance. However, this optional coverage could benefit you in any type of car accident, even if you are at fault.
Below, the experienced car accident lawyers at PKSD provide more information on this optional protection and how it may benefit you after an accident.
If you were injured in an accident caused by another driver, contact us for a free, no obligation consultation to discuss your legal options and potential for pursuing compensation from the at-fault party.
What is PIP?
Purchasing personal injury protection (PIP) insurance in Wisconsin is optional. However, in the event you or your passengers are injured in an accident, PIP provides additional coverage for medical bills and other expenses related to those injuries. This optional coverage is also known as no-fault insurance, because it can pay your expenses regardless of who caused the accident.
PIP could be used if:
- You are injured in an accident in your own car
- Your passengers were injured in an accident in your car
- You are injured in an accident as a cyclist or pedestrian
What Does PIP Cover if I Am in an Accident?
PIP insurance, like Med Pay, covers your medical expenses and those of any passengers in your vehicle for injuries related to the accident. However, it does not cover the medical costs for the injuries of drivers and passengers in other involved vehicles.
PIP insurance covers some of the same expenses as a medical insurance plan, but this coverage is specifically for injuries that are related to car accidents.
Some of the expenses covered by PIP insurance may include:
- Ongoing medical care
- Funeral expenses
- Accident death benefits
- Lost wages
- Certain home care services
- Physical and occupational therapy
- Rehabilitation costs
- Transportation to your doctor appointments
Why Purchase PIP Insurance in a Tort State?
In Wisconsin, PIP insurance is not required by law. However, purchasing this coverage on top of your required car insurance can offer enhanced protection should you be involved in an accident. If you are severely injured in an accident, the other driver’s insurance coverage could run out much faster than you might think.
If you are the at-fault driver in an accident, you are accountable for all accident-related damages. If you had passengers, they may pursue claims against your insurance. PIP offers extra coverage for those damages, beyond what may be available in your liability coverage.
If you run out of insurance coverage, you are financially liable for the rest of any accident victims’ damages.
Contact PKSD for Help After an Accident
If you were injured in a car accident caused by another party, you may be eligible to recover compensation for certain damages, including medical bills, lost wages, and pain and suffering.
At PKSD, our Milwaukee car accident lawyers help victims pursue maximum compensation for injuries received as the result of another’s negligence.
Request your free, no-obligation consultation today to discuss your potential claim and legal options. There are no upfront costs, because we do not get paid unless we recover compensation for you.