Personal Injury Protection benefits will pay 80% of medical bills that are reasonable and necessary and/or 60% of lost wages up to $10,000 as a result of an accident involving a motor vehicle. Remember, you don’t actually have to be driving or even in a car to be eligible for Personal Injury Protection benefits. If a vehicle strikes you while you are walking down the street, you too are eligible.
So, you may be wondering where the limits are. The limits are that PIP benefits will not compensate you for pain and suffering after being run over by a vehicle. Or better yet, PIP benefits won’t compensate you for being unable to get back to your job as a contractor and feed your family because the doctor puts a restriction on the amount you are able to lift without breaking your back. However, the biggest limit to Personal Injury Protection benefits is simply that the insurance company, your insurance company, can cut your limits way before you are able to receive $10,000 in medical treatment.
You may ask yourself how and why they would do that. Remember, the insurance company is a business and a business is out to make profits, not losses. They are able to cut your medical benefits by simply stating that the injuries you sustained don’t require any further medical treatment because it wouldn’t be reasonable and necessary based on some expert living nowhere near you nor ever seeing you.
If you have any questions, please feel free to contact the Law Offices of Lucas, Green & Magazine and ask for Attorney Martin Macyszyn. I will gladly speak to you and answer any questions you may have.