PIP auto insurance isn’t mandatory in Alabama. Even so, Birmingham, AL drivers will want to seriously consider the advantages of purchasing this type of coverage, as it offers great protection if you’re ever involved in an auto accident.
What is PIP Insurance?
PIP stands for personal injury protection and, as the name implies, is designed to compensate a policyholder who’s involved in an auto accident. It can cover medical bills, physical therapy, lost wages, and funeral expenses. It may even compensate you for the cost of hiring someone to do tasks that you’re unable to do while you’re recovering (e.g., cleaning your home). Coverage applies no matter who was at fault for the accident. This grants you relatively fast access to financial assistance even if the other party remains unidentified (as is the case in a hit-and-run accident) or is disputing fault.
At the same time, PIP doesn’t offer blanket coverage for all auto-related accidents. It won’t cover a policyholder for auto accidents that occur while one is on the job, as such accidents are typically covered by workers’ compensation insurance. It doesn’t cover property damage to your vehicle or property belonging to a third party. It also doesn’t cover accidents that occur while a policyholder is committing a crime.
Contact Magic City Insurance Group LLC for More Information
Magic City Insurance Group LLC has multiple auto insurance policy options available to drivers in and around Birmingham, AL. Give us a call to find out more about our policies and policy bundles, and we’ll help you review your options to pick the insurance coverage that best meets your needs and budget.
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