Personal injury protection: 4 FAQs on what you need to know

Personal injury protection was probably one of the sections of your car insurance policy you glossed over as you clicked your way through to “total due.” But what is it all about?

Personal injury protection is a type of supplemental insurance that provides coverage regardless of who was at fault for an accident.

Here are 4 FAQs on personal injury protection coverage

What does personal injury protection cover?

In the event of a car accident, the damage to the car is just the beginning. Personal injury protection generally covers injuries to yourself or your passengers as well as any wages you lost because of your injuries. You’ll want to check with your individual provider to determine what personal injury protection covers specifically.

Is it expensive?

Cost will vary depending on your individual insurance carrier, but personal injury protection often doesn’t add much to your premiums, especially when you consider everything that would be covered in the event of an accident.

Why is personal injury protection important in a “fault state” like Maryland?

In car accident in Maryland, one driver will be assigned “fault” for the accident, and that determination is how the insurance companies will determine who will cover what damages and injuries. Personal injury protection will ensure you are still covered for the accident, even if it was your fault.

Can I opt out?

Some states require personal injury protection coverage. In Maryland, you are not required to have personal injury protection coverage, but your insurer is required to offer it. If you want to decline coverage, your insurance company will ask you to sign a waiver.

Before you decide to opt out, though, think about the costs you would face if you were in an accident and unable to work.