What Is Personal Injury Protection Coverage?
Personal injury protection (PIP) coverage is considered “no fault” insurance. If your state requires PIP, your insurer will pay some or all of your medical expenses. They may also pay other financial expenses or losses covered under your policy, after a car crash, regardless of who was at fault.
How Does a PIP Claim Work?When you file a PIP claim, you are filing a claim with your own insurer for payment of medical bills and lost earnings. Your insurer should pay for damages up to the amount of your claim or up to your policy limit, whichever is lower.
If you exceed the policy limits, you are responsible for paying for your medical bills. Keep in mind that some states also require policyholders to have their injuries documented within a specific time frame to qualify for PIP. For example, in Florida, injuries must be documented within 14 days of the accident. Documentation requirements can vary from state to state, which is why hiring a PIP attorney can be helpful. A PIP lawyer can help guide you through the claims process to ensure you are getting the financial compensation you need after a car crash.
Personal injury protection coverage follows the person, not the vehicle. So, if you are involved in a wreck as a passenger, your insurance would cover up to the first $10,000 in medical bills, lost wages, and other medical expenses. A knowledgeable PIP attorney can help determine if you, your passengers, and/or any pedestrians that may be involved in the crash, are covered by PIP insurance.
Filing a Claim with Your InsurerIt is important to get in touch with your insurer as soon as possible after the car accident, but you should always consult an attorney first. A knowledgeable attorney can inform you on what to expect from the insurance company. They will help you in providing the insurance company with the right information while making sure you are protecting your legal rights.
If you have health insurance, your medical bills may be covered by your health insurance if your PIP coverage has been exhausted.
No-fault insurance laws vary from state to state, so the details of your coverage will depend on where you live. You should be well-versed in the specifics of your policy. Just because you are carrying a PIP plan, it does not mean you are immune to incurring any costs related to your injuries. Nor does it mean that the claims process will be a smooth one.
Although it is common for most people to contact their insurer immediately after an accident, by calling an attorney, you can hire someone who will represent you and serve as a liaison between yourself and your insurer.