Does no fault insurance cover the death of the injured?
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Asked July 12, 2011
Insurance laws vary from state to state, and insurance company regulations will differ from one company to another. In most cases, no fault or Personal injury protection, called PIP, does provide a limited amount of death benefits, but the exact amount will vary widely according to the state laws and company procedures. For example, the basic death payment in New York is $2000, but the state of Florida increases the death payment to $5000, according to state insurance law.
No fault insurance usually covers funeral expenses or death, and the amount of that coverage is written into your individual policy. This amount could be as little as $1500 or as much as several thousand, and the amount can be increased by each insurance applicant by simply requesting a higher amount of coverage than is provided in the default policy. Contact your insurance company directly and inquire about the death payments provided under your basic policy. If the amount is lower than you would prefer, request a higher limit, which entails paying higher premiums.
Answered July 12, 2011 by Anonymous