Drivers in Los Angeles may turn to insurance companies to get compensation for their vehicle repairs and injuries after a car accident. You may be able to get compensation from the insurance company representing the other driver. In other situations, you may wonder if you can turn to your own insurance company.
Your insurance policy could cover your losses if you carry personal injury protection (PIP) insurance in Los Angeles, CA. Find out how this applies to car accident cases with the Simmrin Law Group. Contact us at (310) 997-4688 to speak to a car accident lawyer now.
Defining Personal Injury Protection Insurance in California
PIP insurance (also called med-pay insurance in California) can help cover the costs of your medical care after an accident. It can also cover the costs of healthcare expenses for passengers riding in your vehicle. PIP insurance works even if no one is at fault for your accident or if you are responsible for the collision.
However, PIP insurance is not legally required in the state of California. You may operate your vehicle without ever purchasing PIP insurance. In this situation, you will not be able to use the policy to get compensation for your medical bills.
Benefits of PIP Insurance in Los Angeles, CA
So, if you do not have to carry PIP insurance in California, why do some drivers decide to take out a policy? Drivers may elect to carry PIP insurance for a number of different reasons. As we mentioned, PIP insurance can help cover your medical expenses if:
- You were hurt in an accident where no one was at-fault
- You were at-fault for an accident
- A passenger in your vehicle was hurt in an accident
Additionally, PIP can cover medical expenses if you were hit by an uninsured or underinsured driver. It can even kick in after a hit-and-run accident, so you are not left with incredibly high medical bills and no way to pay for them.
You can discuss PIP insurance further with a car accident lawyer in Los Angeles. Get answers to your insurance questions by calling (310) 997-4688 to reach the Simmrin Law Group.
Drawbacks of PIP Insurance in Los Angeles, CA
As we mentioned previously, PIP insurance is not part of the required auto insurance you have to carry in California. You will have to contact your insurance company to have it added to your policy. It can significantly increase the amount of money you have to pay for your insurance.
You should also be aware that PIP insurance often does not provide as much compensation as you would get from bringing a lawsuit against the driver you struck your vehicle. PIP insurance only covers medical costs. It will not address losses tied to your mental anguish, pain, or suffering.
Your lawyer may advise you to take your claim to court in California, even if you have PIP insurance in a car accident case. Speaking with a legal professional right away after your accident can help you decide on the best way to move forward with your claim.
Compensation and PIP Insurance in Car Accident Cases in Los Angeles
PIP insurance may help cover your medical bills after some car accidents in California. However, you can only rely on PIP insurance if you already had a policy in place at the time of your collision. If you did not purchase PIP insurance, it will not cover your:
- Emergency medical care
- Hospital stay and surgeries
- Physical therapy
Fortunately, you may still be able to get compensation if a car accident lawyer in Los Angeles can prove that another driver was at fault for your collision. The team at the Simmrin Law Group can dig into your case now, to determine liability for the accident.
The other driver’s insurance company may compensate you for your medical expenses, vehicle repair costs, and lost wages at work. You can also get damages for your pain, suffering, and mental anguish if you take your claim to court and file a lawsuit.
Discuss PIP Insurance in Car Accident Cases in Los Angeles, CA
The team at the Simmrin Law Group can help you understand the uses of PIP in car accident cases in Los Angeles. You can contact us if you have PIP insurance. We can help you decide if you should use this kind of insurance or seek compensation from the other driver. Go over all your legal options by completing our online contact form or calling (310) 997-4688.
Our car accident lawyers in Los Angeles can be reached easily for a FREE initial case evaluation.