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Personal Injury Protection
What Does "Reasonable and Necessary" Mean?
I Need to Make a Claim. How Do I Get Paid?
Is Uninsured Motorist Coverage Mandatory?
Are There Restrictions on Coverage Amounts for Uninsured Motorist Coverage?
Personal Injury Protection and Duplicate Coverages
Personal Injury Discounts
1. What Does "Reasonable and Necessary" Mean?
You may need a statement from a doctor or hospital staff explaining why an unusual or out-of-the-ordinary type of care was dictated if you are concerned your claim might be refused. The good news? Many care providers are experienced with coordinating care with auto insurance personal injury protection and can address specific concerns to the satisfaction of the insurers. Many states allow you to submit a disputed claim for mediation in the event your personal injury claims are rejected and you disagree with the reasons. Top
2. I Need to Make a Claim. How Do I Get Paid?
It doesn't matter if you file a third party claim or send in your own personal injury claim, officially notify your insurance company quickly. If you don't properly alert your insurance company, the insurer may have difficulty getting your personal injury claim paid in time to avoid late payments -- this can cost you in late fees and other costs. These expenses may not be covered under your personal injury claim settlement. Top
3. Is Uninsured Motorist Coverage Mandatory?
If you are involved in a hit-and-run, file a police report immediately and don't leave the scene of the incident until the authorities tell you to go. Even if you are the only vehicle left at the scene, stay until you're told to leave. This adds credibility to your claim. Uninsured motorist coverage is not mandatory in all states, so uninsured motorist property damage coverage may not be available where you live. If it is available, it adds some extra protection and peace of mind. Top
4. Are There Restrictions on Coverage Amounts for Uninsured Motorist Coverage?
When possible, choose your coverages at the same time rather than starting with a basic policy and adding coverages piecemeal later on. Customize your protection limits, set higher deductibles and get complete insurance protection -- you can always lower those deductibles later when you can afford to do so. Don't leave out important protections if you can avoid it. Personal injury coverage, uninsured motorist coverage and other protection are all vital parts of your insurance strategy. Top
5. Personal Injury Protection and Duplicate Coverages
6. Personal Injury Discounts
Other discounts may be available with seat belt use, and in some cases you could save money on your personal injury coverage with a five year good driver discount. Some discounts apply to your policy without specifically addressing potential personal injury claims, such as military discounts and renewal discounts, but all these things work together to give you lower insurance bills. Top
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