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Personal injury protection, sometimes known as Medical Payment Insurance or Medpay, is a no-fault insurance policies for a couple of reasons. Where the states differ greatly is in the minimum guaranteed payout that is set for each. For more information about Watch Your Car, contact the New York State Department of Motor Vehicles, or your local law enforcement agency. Of course, there are disadvantages to the no-fault system, many of them caused by the dishonesty of those who claim more extensive damage than can be proven. One time a personal injury protection policy might allow for a lawsuit is when serious injury or death occurs. In an ideal world, no-fault car insurance will allow litigation to be a thing of the past. And 5 p.m., nor does the owner of the vehicle drive near international borders. By setting this limit, insurance companies are cutting down on the time and expense of un-necessary lawsuits and consumer greed. Many seniors in American do not have enough health care insurance to adequately cover their medical needs and prescription drug medications. If you live in a tort state, for example, and are involved in an accident that is not your fault, you have a choice to either let your insurance company fix it, or you can require the other driver's car insurance to handle the details, in effect freeing yourself from the hassle of having to report the accident to your insurance company and paying the deductible. In addition to the time factor, tort insurance lends itself to the lawsuit as a method to retrieve payment. Florida no fault insurance is intended to reduce the cost of auto insurance by taking small claims out of court. In states that use the no fault insurance system of auto insurance, each insurer pays its own policyholders for minor injuries regardless of who was at fault in the accident. These costs include medical bills, lost wages and other assorted expenses. This may seem like the thin end of the wedge, especially if youre the one driving an office car pool, however, the safety of any passenger riding in your car is always going to be your responsibility. No-fault car insurance is being modified in many other states as well, which will introdue more restrictions. The coverage for the uninsured motorist protects the insurance holder in case he or she has an accident with an uninsured person. One time a personal injury protection policy might allow for a lawsuit is when serious injury or death occurs. Kentucky, New Jersey, and Pennsylvania use the choice no fault system. Your driving habits will also help determine whether or not you need personal injury protection. Florida, for example, is repealing their "no-fault" status in 2007, if legislation doesn't change before that time. No-fault car insurance is being modified in many other states as well, which will introdue more restrictions. The best automobile insurance policies will include the following items: uninsured motorist coverage, personal property liability, collision coverage, bodily injury liability, comprehensive coverage and personal injury protection (PIP). Many car insurance companies consider New York a high risk area because of the high statistics of crime. Your driving habits will also help determine whether or not you need personal injury protection. Luckily, New York participates in a program for drivers and car owners to help them protect their vehicles against theft Watch Your Car. The driver who hit did not have liability auto insurance. If you reside in a state that requires personal injury protection you will need to know the minimum amount of cover you must have because this has already been decided for you. Consider these four tips when looking into affordable health care supplemental insurance for seniors:. However the "first party" benefits a policyholder receives from her own no fault insurance company are not mandatory and the benefits may be lower that in the "true" no fault states. Florida, for example, is repealing their "no-fault" status in 2007, if legislation doesn't change before that time. If you are middle-aged or older, have good health and liability insurance policies, then you will need minimal personal injury protection insurance policies.

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