What is PIP
PIP stands for Personal Injury Protection and is a form of automobile insurance available in some states that helps pay for medical expenses and loss of earnings following a car wreck
How Does PIP Coverage Work?Personal Injury Protection (PIP) coverage varies from jurisdiction to jurisdiction. State regulations may provide for when such coverage is available and minimal coverage limits. If PIP is available in your jurisdiction, each person in your vehicle might be entitled to collect all necessary medical expenses incurred due to the accident, up to the limits of the PIP coverage on the vehicle. In addition an income producer may be able to collect 80% of his/her loss of income, not to exceed the limits of the coverage, which applies to the combined medical expenses and loss of income claim. Please refer to your own individual PIP policy contract for the complete details of your PIP coverage.
How to Obtain PIP Benefits?After a wreck, call your agent or insurance company and report the accident. At the time, express your desire to make a claim under your Personal Injury Coverage. Some attorneys will handle your PIP claim for you and will not charge you any fee for recovery of PIP benefits. Ask your attorney if they offer this. If you handle your self the following information is usually required:
1. The Application for Benefits form is to be completed by you.
2. The Attending Physicians Report form is to be completed by your doctor.
3. The Wage & Salary Verification form is to be completed by your employer, in the event that you have lost wages at your place of employment.
4. ALL of the above forms should be returned to the insurance company's claim office with a copy of all medical bills incurred up to date that you return the forms to the company.