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Drinking just before driving a car on the freeway is a problem, we should educate more & more to those drivers  about alcoholism  and its horrible results. Unfortunately, even safe, experienced drivers have accidents and become injured so do you really think that personal injury protection is a waste of time. When you have other responsibilities, especially of a financial nature then this is no longer an option. Unfortunately, this can be an expensive insurance policy to have and many families cannot justify the monthly expense when it is usually they who are most at risk.

Unfortunately however, it can be very costly in other ways if the cover is not appropriate or does not cover the intended items. Throughout most parts of America today, injury insurance has become required by law but the cover required seems to vary considerably from state to state. Many people take out personal injury protection plans even if they currently live in a state that does not require it by law.

With a huge four fifths paid out to the insured, it is not surprising the plans are costly especially when it covers all passengers too. These costs include medical bills, lost wages and other assorted expenses because it is termed a ‘no-fault policy', so it covers you and your passengers, even if the fault was yours. Items like the medical expenses and lost income are already part of a current health plan that is in force.

This means that in certain circumstances, no extra protection is required or if it is, only a small amount. How you drive will also help determine whether or not you need personal injury protection. If you already have a health insurance plan in force, this should cover at least any medical expenses that may be incurred, and should provide for any passengers that are members of the driver's family. Needless to say, if you find that the cover afforded by the personal injury protection is insufficient for passengers then you will have to top this cover up.

Any passenger in your vehicle should feel safe so it is the driver's responsibility to ensure this is the case. Those who feel fortunate that their state does not require personal injury protection by law should still have one in place to cover for the eventuality of a serious accident. Your insurance policy costs can depend on many factors, including, age and current health conditions, both of which can lower your premium considerably. On the other hand, when you are young and just starting out and probably don't have much in the way of health and liability insurance, you will want to protect yourself, your family and your future by carrying as much insurance as you can afford.