If you sustained injuries following a car accident, personal injury protection coverage (PIP) can compensate you for the expenses incurred because of the injuries. PIP insurance can cover medical and hospital costs, chiropractor services, and other related damages resulting from the accident.
Personal injury protection or no-fault insurance helps those involved in the accident to cover medical expenses, loss of work costs, and other economic damages that resulted from the accident, irrespective of who was at fault.
Personal injury protection insurance covers the policyholder, the policyholder's family, the passengers in the car, and any person driving the policyholder's car at the time of the accident.
You can be covered under PIP insurance even when driving someone else's car or getting struck by a vehicle while walking, running, or cycling.
The coverage of PIP insurance may include:
Your PIP insurance will not cover compensation for the pain and suffering of the injured parties. It will also not cover the damages to your vehicle or any other property.
Personal injury protection insurance is compulsory for all drivers in Minnesota. Minnesota is a no-fault state. As such, no fault insurance covers all expenses incurred due to an auto accident, regardless of who caused it.
If you suffered injuries from a car accident in Minnesota, you could receive a minimum PIP insurance coverage of $40,000 per person per accident, which includes $20,000 for medical care and $20,000 for non-medical expenses like loss of wage costs.
If the insurance company disputes the payment of any eligible expenses, you can pursue an arbitration proceeding against the insurance company to clarify each party's obligations.
In case of an auto accident, a standard Minnesota insurance policy would cover the following benefits:
If you have suffered injuries involving pain and discomfort from a car accident, you need to contact a chiropractor immediately.
Chiropractic care can relieve pain and discomfort, reduce inflammation and scarring, restore range of motion, and allow your body to heal.
A chiropractor service specializing in accident care can also assist you in completing the paperwork required to get the insurance claim reducing your financial burden.
Minnesota PIP insurance covers medical costs, like chiropractic services, up to a minimum of $20,000 regardless of whose fault caused the accident.
Your PIP insurance coverage will depend on where you live in the U.S.
Medical expenses include:
Loss of income benefits, including:
To get the coverage, a physician must verify that the injured person cannot do the work because of car accident injuries.
Where the car accident leads to a death of a person covered under the policy, a funeral cost of up to $5000 is provided. The survivors can receive up to $500 per week and replacement services coverage up to $ 200 per week.
We at Accident Care Chiropractic of Minnesota specialize in offering highly personalized treatment for car accident injuries.
Other than providing a specialized treatment plan that helps you recover quickly, our specialized staff in St Paul, MN, can assist you with the paperwork required to process your car insurance claims to get the maximum coverage possible.