Having a PIP, or personal injury protection, policy while traveling can help the policyholder cover the costs of medical bills and lost wages for himself and his passengers. As opposed to standard automobile insurance, PIP insurance is no-fault auto insurance that covers the driver and associated parties despite who caused the accident. In some states, PIP insurance is a mandatory extension of standard car insurance.
Per the particular policy, personal injury protection insurance may pay up to 80 percent of the driver and passengers’ medical bills, including rehabilitation. Sometimes, PIP covers the injuries of other drivers and pedestrians. If necessary, PIP also covers funeral costs.
Personal Injury Protection Versus Medical Payments Coverage
Medical payments coverage, or Med Pay, is another type of automobile insurance. While medical payments coverage and personal injury protection coverage share similarities, they differ in several ways. Like PIP, Med Pay covers the driver and passengers’ medical bills. Unlike PIP, Med Pay will not cover funeral costs, lost wages and other expenses. Therefore, many drivers prefer PIP.
Claims and Settlements
Generally, a policyholder who has personal injury protection insurance receives a settlement faster than a policyholder who has another type of automobile insurance. However, insurance companies do not always handle claims fairly and quickly. Anyone who is tired of dealing with their insurance company should seek advice from one of the personal injury attorneys at zaidlaw.com. Usually, PIP cases can be resolved without going to court, but if necessary, the attorney can file a lawsuit in order to seek a favorable settlement for the client.
Driving is dangerous, and anyone who spends a lot of time behind the wheel should consider personal injury protection insurance. Besides providing coverage for the policyholder, PIP insurance covers any passengers such as the policyholder’s spouse, children, friends or coworkers. The decision to forego PIP insurance is simply not worth the risk.
Many times a person in an auto accident hasn’t clue what to do especially if damages are involved. Oh, sure, medical and the police may be involve but that’s only to insure that the people involved know who to contact. The first step a person should remember is to keep your mouth shut and don’t admit anything. The second step is to contact a personal injury lawyer who handles cases like this for a living. However, in some cases, people are hesitant to contact a personal injury lawyer for many reasons. Here are few myths you should remember that are not true:
When hiring a lawyer who specializes in personal injury cases it will cost a fortune.
The truth is that most cases of this type are taken on a “contingency” basis which simply means if your lawyer loses the case and the judge does not rule in your favor, you owe nothing.
Another myth is that a personal injury lawyer spends his or her time running around town looking for car accidents.
Actually, in most cities a personal injury lawyer is forbidden from contacting any accident victims prior to thirty days. It’s a rule in most states.
A personal injury lawyer can file a false law suit claim.
Oh, please. A personal injury lawyer is not going to file a frivolous lawsuit and lose their license that may or may not have any chance of being awarded a small or large settlement.
Payouts on a personal injury claim is guaranteed.
You wish. Insurance companies will fight your claim, so your lawyer, if they have a case, should build a good, strong case.
As of 2014, there are about 318.9 million people living in the United States. Now, we all know that no human being is perfect 24/7, which means that with all of these people there are bound to be some accidents. However, you are lucky that every person has the ability to protect his/her legal rights after an accident or injury. This article is for those who may be unfamiliar with personal injury law, or how to proceed after an accident or injury occurs.
A personal injury case is a legal dispute that occurs when a person suffers harm from an accident or injury that someone else may be legally responsible for. It can become formalized through civil court proceedings that seek to find others legally at fault through a court judgment. Formal lawsuits are started when an individual files a civil complaint against another person, business, corporation, or government agency, claiming that they acted carelessly in connection with the accident or injury. However, it is common that such disputes are resolved through an informal settlement before any lawsuit is filed. These informal settlements occur among those personally involved in the dispute, their insurers, and attorneys representing both sides. It is a negotiation that is followed by a written agreement in which both sides agree to resolve the matter through an agreed upon amount of money.
If you have had an accident that has impacted your life, you will want to consult with an experienced attorney to see if you should pursue a lawsuit or reach a settlement. It is advised to do so as soon as you can after the accident/injury due to statutes of limitations. Statutes of limitations are like deadlines in which you have to pursue legal action or else you can no longer do so. They are established by state law and often vary by type of injury. For example, in Texas, it is two years for an injury, but five years for sex crimes and one year for libel or slander.
If you believe that you have the potential for a personal injury case, it is very important to consult an experienced attorney. It is good to know as many details as you can about the events that led up to the accident/injury and all that were involved. Gather all the information you can before consulting an attorney. The more facts you can provide him/her, the better they can work to help you out.
The Pokemon game just surfaces weeks ago and already causing injuries due to gameplay. Let me brief you about the game in case you are not familiar with it. This is what you refer to as an augmented reality game, in which players are allowed to hold Pokemon captive (fictional characters based on Japanese franchise, i.e. video game, card game, etc.) in the actual world. These creatures are viewed through the camera of player’s phone as they walk through their neighborhood.
The game itself took some certain preventive measures and warned players to be aware of their surroundings and play safely, but many are not heading to this warning resulting into injuries.
Injuries arise as a result of loss of attention in watching the walkway; they are busy staring at their smart phone’s screen resulting in them slipping, tripping and falling into ditches and holes
Thanks to the creator of the game, the game will not start up while traveling at more than 20mph since it is meant to be played while walking and not while driving. Some gamers would have picked up interest in playing while on the wheel.
This is not just a problem for the children, as many of the injured are in their late 20s and 30s.
The positive side
Since the game is played while walking, people get to exercise their legs while playing. People bump into each other at the Pokemon site and get to interact with each other. So also people get to spend time outdoor when searching for pokemon in places such as parks, landmarks and other outdoor location they have never visited.
Precautions to take while playing
• Don’t play while driving. It is tantamount to texting while driving which is against the law and can at the same time be deadly.
• If walking or cycling, keep your eyes on the walkway. You stop to collect your creature once you sight a Pokemon. The game is nor worth an elbow, ankle or head injury, talk less your life.
Be smart and play safe.