Personal Injury Insurance

Personal injury insurance is certainly a must for almost anyone in business or who owns any kind of property. Since anyone can file a law suit for almost anything, many people understand the importance of having themselves protected against such action. While 97% of all civil lawsuits are dismissed by the courts, it's the other three percent that can bring financial ruin to a business or an individual. A house, car, profession, hobby or dog can all bring liability issues with them and personal injury insurance can help mitigate their risks. Here is how the law looks at personal injury.

The causes of personal injury are twofold; the first being negligence and the second intentional. Negligence is the one that catches most people by surprise and the one for which most people buy liability protection. Negligence is carelessness and the burden of proof in a civil case is on the plaintiff to show that the defendant did not exercise reasonable care to keep a harmful situation from occurring. Because so many things can occur on one's home property, in a car or at a business, the need for personal injury insurance certainly cannot be overemphasized. The lack of fencing around a swimming pool, the failure to trim trees that fall one a person or house, the omission of shoveling snow on the sidewalk, a dog bite, a fall down stairs and an almost endless list can be cited as reason of negligence and a motive for filing a civil suit. Intentional negligence might be the lack of security in a nursing home that allows someone to come in and rob or harm residents. Intentional personal injury would not be nearly as prevalent in filings as negligent personal injury suits.

Certain possessions may require extra personal injury insurance such as owning a swimming pool or a certain breed of dog. Certain hobbies may require more insurance such as flying radio controlled planes. But the scope of personal injury goes beyond physical injury all the way to slander and defamation of character as well as invasion of privacy. Writers, journalists, creators of blogs and other communication forms must be constantly wary of these types of injurious applications in their writing and would be wise to carry ample personal injury insurance protection on themselves to help pay for lawsuits against them. Countless numbers of persons have the mistaken idea that trying to live by the Ten Commandments (the law) will somehow be pleasing to God and get them into heaven, but read these words carefully. "Knowing that a man is not justified by the works of the law, but by the faith of Jesus Christ, even as we have believed in Jesus Christ, that we might be justified by the faith of Christ and not by works of the law: for by the works of the law shall no flesh be justified." (Galatians 2:16)

Most states require that drivers carry enough liability insurance to cover a small lawsuit against them in case of an accident. Some state requires as little as $12,500 personal injury insurance protection, but that seems almost laughable in the face of many suits that are filed for over a million dollars. And many homeowners do carry a policy along with property protection on their house to cover some "fall down the stairs" types of suits and some dog bite filings. Whether or not the liability ceilings are high enough to significantly protect a homeowner from losing his house can only be answered in a frank discussion with one's agent. Of course, the most well-known type of personal injury insurance is medical malpractice insurance. The reason for many doctors getting out of the practice of medicine, this type of PI insurance can run tens of thousands of dollars each year from some specialized physicians. Of course, whenever lawsuits in this arena pop up, the money figures are often stratospheric.

When someone is injured and has filed a personal injury claim against an insurance company, which certainly can be done without an attorney, but remember that that company will do everything it can to minimize or negate your ability to collect. Talking to people on the other end of the phone will often appear to be like talking to a family member who cares for you very much but do not be fooled for one second. If the reader is absolutely bent on going it alone, remember that a record of what is being said is being created and nothing said is a freebie. In other words, every word will be used against you later on.

The lesson here is that if you have been injured, get an attorney and don't mess things up on your own. Choosing a personal injury attorney can be hard, but with some research, a good choice for you can be made. Look for an attorney who specializes in personal injury insurance cases and ask questions like length of experience, what chances you have of collecting and will the attorney go hard after a big collection or look for a more compromised decision. There are online helps to find out the ratings of a firm or attorney and that would probably bring some peace of mind. And before one ever faces the specter of a liability lawsuit, the most obvious advice would be to sit down with your insurance agent and have a long look at the exposure window one has.

Personal Injury Protection

Having personal injury protection attached to one's automobile insurance policy is the best way to ensure that, in the event of an accident, a person does not have to pay, out of pocket, any medical fees that may be incurred. Automobile insurance is required, to some extent, for every person who owns or operates a car. This coverage protects the at-fault person in an accident, helping to pay for damage to the insured's car and to whoever else was involved in the wreck. And when one considers how expensive it can be just to have a minor defect in the car repaired, the necessity of some type of insurance is understandable. But what many may know, but have never really researched further, is that there are several tiers of coverage available. There are even additional types of policies that can be added to the existing insurance in order to provide extra layers of protection. One such type of supplementary coverage, personal injury protection, is advisable for anyone who drives, regardless of their past driving record or amount of experience.

Unfortunately, some people do not see the need to have personal injury protection because they do not believe they will ever get in an accident. But small mistakes while driving can equate to devastating consequences on the roadways, which may cost tens or even hundreds of thousands in damages. No one is immune to making these small mistakes, and hopefully, when they do occur, the consequences are not nearly so drastic. If a person does cause an accident, however, and only has basic coverage, then the insurance company will only authorize payment for the other person's vehicle, and in some cases for any bodily harm done to the other person. This type of coverage will not, however, cover any injuries sustained by the person deemed to be at-fault for the accident. This is where personal liability insurance is important. These policies will pay medical bills for the driver, or any other passengers in the car, whether the wreck was the driver's fault or whether neither party was assigned blame in the accident.

When a person considers the sometimes staggering costs of medical care, it is easy to see why paying extra money in the present can pay off in the future. A relatively common injury can result in thousands of dollars in hospital, doctor, and rehabilitation costs. The average person usually does not have enough money to handle exorbitant and unforeseen bills like this. But personal injury protection will take over payments of the bills, meaning that the injured party does not have to worry about finances when he should be focusing on recovering. "Heaviness in the heart of man maketh it stoop: but a good word maketh it glad" (Proverbs 12:25). So not only does the extra insurance safeguard against financial ruination, but it also helps ease burdens of anxiety and stress after an accident.

Just as a person would with any other type of insurance, he needs to thoroughly examine the different options open to him in order to find the amount of coverage and the policy that best fits his needs. Of course, the first thing to do is to meet with one's insurance agent in order to go over existing coverage. Some people are unaware of the supplemental policies that they have, and a person may realize that he has had personal injury protection all along and never knew it. But another reason to meet with the agent before seriously committing to a particular policy is to make sure that the person understands what the additional coverage entails: how much the projected coverage will pay out for an accident and what types of bills will be covered. Every policy will vary; some will be vastly different, and others will just have minute differences that may or may not matter to the individual.

A person should also understand that his past will directly affect the amount he will have to pay for premiums. If a person has a bad driving record, meaning that he has been involved in many wrecks or has received tickets for negligent driving habits, then the price will be higher than someone who has been relatively accident and ticket free. Someone's age may also be a factor that can contribute to higher costs for personal injury protection insurance. A young primary driver on the policy may have to pay more than someone who has more experience on the roads. These extra costs, however, should not be a deterrent for someone who wants to have the additional coverage. By working with an insurance agent, the insured should be able to come up with a plan that is both affordable and adequate for the driver's needs.

While some may balk at paying extra money for coverage that is not a legal necessity, personal injury protection is a wise financial investment. Hopefully, a person will never have a need to use his policy or draw on his coverage. Having the addendum to the policy in times of need, however, can save a person a great deal of stress and financial trouble. The last thing a person wants to have weighing on his mind after he or someone he loves is injured is whether the bills will bankrupt him. Having personal injury protection will give the insured the assurance that should something unforeseen happen, he can focus his efforts on keeping himself or his passengers healthy and on the road to recovery rather than having to worry about what his insurance company will and will not cover.

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