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PIP - Personal Injury Protection
Everyone knows about this type of coverage. Sometimes it's required car insurance. It provides a benefit for injuries to you and your passengers regardless of who caused the accident.
Accidents happen. And what can make them worse is when you've done everything right (it seems), like getting your automobile insured and others have not, like the person you just got into an accident with.
How likely is that to happen? 1 in 8 drivers in the U.S. is uninsured. That may be a risk you don't want to take. One idea is to carry uninsured motorist coverage even if it's not required where you live.
So uninsured motorist coverage protects against other drivers that don't have insurance. But, what if they don't have enough insurance? That can be just as big a problem as not having any insurance.
One solution can be UNDER-INSURED motorist coverage. This coverage provides a benefit for the payment of expenses if your hit by an uninsured driver.
Uninsured Motorist offers two types of coverage; Bodily Injury and Property Damage coverage.
Underinsured Motorist offers one type of coverage; Bodily Injury.
These two types of coverage can often be bundled together as a single protection on your car insurance policy.