I do personal injury litigation. I don't advertise that, but for good people with good cases or on referrals from good colleagues, I will take the case. I've litigated a wrongful death case in Otter Tail County and litigated auto accidents in Minneapolis and Woodbury. Some places put out ad campaigns for personal injury litigation, but those places are high volume (meaning low value) places—very good for some people, but not right for all.
One of your insurance coverages on your automobile is for Personal Injury Protection ("PIP"). PIP coverage is what pays your medical bills related to automobile accidents. Your standard, the minimum coverage is $20,000.00 per incident.
For a very nominal additional premium amount, you can stack your PIP coverage if there are other vehicles in your household. Stacking permits you to double your PIP coverage to $40,000.00.
PIP coverage has not kept up with the economic times. $20,0000 just doesn't go very far any longer. When you burn through your PIP benefits, your health insurer will pay, but will expect and demand to be paid back for the benefits that heather insurer pays. There is no similar avenue for your auto insurer to demand to be repaid for PIP benefits paid on your behalf.
The simple directive to your car insurance agent is this: Stack my PIP coverage. If you have any questions on this or any personal injury situation, please call and I can help you or direct you to highly qualified, highly personal, and highly skilled personal injury attorneys.
The material contained herein is provided for informational purposes only and is not legal advice, nor is it a substitute for obtaining legal advice from an attorney. Each situation is unique, and you should not act or rely on any information contained herein without seeking the advice of an experienced attorney. All information contained in links are the property of the linked site.
