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A PIP claim stays on your record for three to seven years in your CLUE report, depending on your state’s regulations. For example, in Florida, Personal Injury Protection claims may be kept on record for up to five years. However, most insurance companies only search their customers’ records three to five years back.
Before shopping around for car insurance, it’s best you check your claim history, as it could help you know how much money to budget for the premium. Plus, checking your history can also give you a chance to verify your record’s accuracy, and correct any details or omissions that could be driving up your insurance.
Insurance companies consider individuals who’ve filed PIP claims in the past, especially numerous claims, to be higher risk. That is due to fraudulent PIP claims being all too common. PIP pays for medical bills and wage loss in the event of an accident.
People also ask
What states are PIP states?
The 12 states that require PIP insurance, also known as personal injury protection, are Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Eleven of these states are “no-fault” states.
In addition, Pennsylvania law requires drivers to purchase $5,000 in medical benefits, but does not mention PIP specifically. PIP coverage is also available, but optional, in seven additional states, plus the District of Columbia.
PIP States
... read full answer by Merrill Burchell, Car Insurance WriterHow can I find cheap PIP insurance?
The best way to find cheap PIP insurance is to shop around and compare quotes from several insurers in your state. The personal risk factors that can affect how much you pay for PIP (personal injury protection) are the same ones that affect the pricing of any type of auto insurance. These include your claims history, credit history, location, driving record, age, and gender. As with all types of insurance, different insurance companies weigh each...
read full answer by Merrill Burchell, Car Insurance WriterWhat is personal injury protection?
According an international insurance group IRMI, Personal Injury Protection is "A type of auto insurance coverage mandated by statute in some jurisdictions. The statutes typically require insurers to provide or offer to provide first-party benefits for medical expenses, loss of income, funeral expenses, and similar expenses without regard to fault. Coverages, limits, and each party's responsibilities vary from state to state, as provided by law."
Source: IRMI Personal injury Protection
read full answer by Scott W. Johnson, Manager and Principal Broker AgentDid we answer your question?
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