Yes, The General offers personal injury protection car insurance where required by state law. Personal injury protection (PIP) is a type of auto insurance that pays medical bills after an accident regardless of who was at fault, so it is often referred to as no-fault insurance. States with no-fault laws require drivers to carry PIP, and the coverage is optional in many other states.
The General PIP Insurance Can Cover:
Child care expenses
Nursing care, medical supplies, and prescriptions
The details of The General personal injury protection will depend on your state and policy. In some states, PIP will pay the majority of qualifying medical bills, but policyholders will need to pay out of pocket for a small percentage of their expenses. However, personal injury protection is still considered a good investment because using health insurance to cover car accident injuries usually involves more out-of-pocket expenses.
If you’ve been in a car accident and need to file a PIP claim with The General, you can file a claim by calling 800-280-1466 or using the mobile app. Coverage may also extend to your household members and passengers. For more information, check out WalletHub’s guide to personal injury protection.
Your insurance rate probably won’t go up if you use PIP coverage. Whether or not your insurance costs go up depends on who is at fault in the accident that leads to the use of PIP. When you are not at fault and you make a PIP claim, you will receive payment from either your insurance company or the other driver’s insurance, and your rate will not increase.… read full answer
However, if you are found to be at fault in an accident after which you use your PIP, your insurance rate will likely increase, in most states. This is because most insurance companies reassess policy holders’ records consistently to analyze risk. If you are involved in a car accident and you are found to be at fault, the insurance company will consider you a higher risk driver than before and will likely increase your premium as a result. The amount your rate might increase will mostly depend on your insurance company.
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 factor differently, resulting in a range of prices. That’s why you need to compare quotes to find cheap PIP insurance for your situation.… read full answer
However, the primary factors that can make PIP expensive are beyond your control. State law sets minimum and maximum coverage limits for PIP in your location, and that’s a huge part of determining premiums. For example, PIP will naturally be more expensive in a state that requires unlimited coverage for lifetime medical costs related to an accident than in one with low mandatory limits.
Another key factor that affects the cost of PIP insurance in some states is the prevalence of fraud. PIP is a common target of fraud, with people often faking accidents or falsifying medical claims to get payouts they don’t deserve. In states with a large amount of PIP fraud, like Florida and Michigan, the costs associated with that fraud get passed on to policyholders in the form of higher premiums.
Common The General Full Coverage Insurance Components
Liability insurance. Almost every state requires drivers to carry liability insurance, which includes property damage liability and bodily injury liability coverage. Liability insurance pays for others’ expenses after an accident you are at fault for.
Collision and comprehensive insurance. Collision insurance covers the cost of fixing or replacing the policyholder’s vehicle after an accident, regardless of who was at fault. Similarly, comprehensive insurance covers the policyholder’s car if it’s damaged by something besides an accident, like vandalism, a fire, or a natural disaster. Collision and comprehensive are not mandatory in any state, but they are usually required for leased and financed cars.
Uninsured/underinsured motorist coverage. This type of coverage protects you if you are involved in an accident with a driver who either does not have car insurance or does not have enough coverage. Uninsured/underinsured motorist insurance covers your expenses after an accident that should have been paid for by the at-fault driver’s liability insurance. It will automatically be included in your full coverage policy if it is required in your state.
Personal injury protection/MedPay. Personal injury protection (PIP) insurance and MedPay coverage both cover medical expenses for you and your passengers after an accident, regardless of fault. Depending on your state, you may be required to carry one or the other.
Although these types of insurance are commonly included in a full coverage policy, what your specific policy includes will depend on your state. Full coverage is not the official name of any type of insurance, so be sure to clarify whether these types of insurance are included if you’re purchasing a The General policy.
When You Should Consider Full Coverage From The General
A The General full coverage policy is a good choice for drivers who don’t want to pay for vehicle repairs out of pocket. If you are leasing or financing your car, you may be required to get full coverage.
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