Understanding PIP Coverage in St. Louis County Car Accident Cases

Car accidents can uproot your life in a way you never expected. On top of all your injuries, you may have to deal with things like underinsured motorist coverage, uninsured motorist coverage, or third-party liability insurance.

One important type of coverage many motorists do not know about is personal injury protection (PIP) coverage. Understanding PIP coverage in St. Louis County car accident cases can be crucial to you recovering compensation following a crash. An experienced car accident lawyer at Mutrux Firm Injury Lawyers could help you understand the nuances of the different types of insurance and coverage.

What is Personal Injury Protection Coverage in St. Louis County

Personal injury protection coverage is commonly referred to as medical payments coverage. Pursuant to Missouri law, medical payments coverage is not required on a driver’s auto policy. However, attorneys highly recommend that people add it to their policy because it is fairly inexpensive and it can lead to a double recovery if they are in a car crash.

PIP coverage is different from health insurance or other types of insurance on an auto policy. It specifically works to reimburse injured parties for their medical bills when they are in a crash. A local car accident lawyer could explain the details of PIP coverage to an injured party more in depth.

The Monetary Impact of PIP Coverage in an Auto Wreck Case

PIP coverage or medical payments coverage can allow car crash victims to recover more money in their case. For example, if a claimant has $5,000 in medical payments coverage and $5,000 in medical bills, they can be paid $5,000 from their insurance company and the other driver’s insurance company.

This may not seem possible, but it is completely legal. Each case is different and requires different coverage. An attorney with experience working on car accident cases could explain how PIP coverage could impact an individual’s specific claim.

Common Misconceptions About Med-Pay Coverage

One very common misconception about PIP or Med-Pay coverage is that it is the same as health insurance. PIP coverage is additional to any coverage a victim may receive from their health insurance and can only be used if they were in a car crash.

Many people also assume that the coverage only applies when they are not at fault in a crash, but Med-Pay coverage is no-fault insurance. It does not matter if the injured party was at fault for the crash or not. An automobile accident attorney in the area could clear up any questions you may have about PIP coverage.

How St. Louis County Car Accident Attorney Could Help

Personal injury protection coverage is extremely beneficial to drivers, but it can also be difficult to understand. After an accident, the last thing you want is to be bogged down by complex insurance and coverage details.

With the help of a skilled car accident lawyer, understanding PIP coverage in St. Louis County car accident cases could be made simple. Speak to the legal team at Mutrux Firm Injury Lawyers today so learn more about how personal injury protection coverage applies to your claim.