What Is Personal Insurance Protection and Why Do I Need To Have One? When you pick your car insurance you might want to sign for personal insurance as well, to avoid unexpected expenses in the event of an accident. Many drivers think their medical insurance is enough, but when they end up in front of a personal injury lawyer Mountain View they find that having a PIP can save a lot of money. But what is this insurance and why do you need one? Daycare coverage and lost wages paid by PIP Personal insurance protection covers all personal damages in the event of an accident and in some cases it covers lost wages during the recovery period. Funeral expenses are also covered by PIP, even if no one wants to think that far. One of the lesser known areas which are covered by PIP is "substitute services". Many people who find their way to personal injury lawyer Mountain View find out their kids can be placed in day care if they are no longer able to fulfill the role of caregiver after the accident. The day care expenses are covered by PIP. Bodily injury liability PIP is not the same with bodily injury liability, which pays for the medical care of people whom you injure in the accident you've caused. PIP only pays for your own medical problems, so it is something you want to have for yourself. PIP is not mandatory in all states, but most of them allow you to purchase one as an optional. The decision of how much coverage you need depends on your medical insurance, so your personal injury lawyer Mountain View will advise on reviewing your medical insurance plan before you purchase PIP. High coverage for more safety If your medical insurance covers post-accident time, you need to pay for the lowest coverage for PIP. On the other hand, if your health plan doesn't cover car accidents you should protect yourself by picking a high coverage PIP to make sure you are protected when things go wrong.