Personal Injury Protection (PIP) is a type of insurance coverage that covers accident-related medical expenses. It’s important to know what PIP does and does not cover for vehicle insurance, so that you can make an informed decision about whether or not to purchase it.
What is Personal Injury Protection?
Personal Injury Protection (PIP) insurance is a type of coverage that can be purchased by you or your vehicle’s owner, to help pay for medical bills in the event of an accident.It covers losses caused by the following:
- Bodily injury to you or your passengers.
- Property damage caused by an auto collision with another vehicle or object, such as a tree or pole.
Included Coverage
Medical bills. The insurance company will pay for the medical expenses you incurred while injured in a car accident, including emergency room visits and prescriptions that were needed after an injury.
Loss of wages. Your employer’s policies may cover some or all of your lost wages due to an injury from a car crash, depending on how much time was lost at work as a result of your injuries and how long it took before you could return to work full-time (or part-time).
Mandatory PIP Insurance
PIP is a state-mandated coverage, so it is required by law. PIP covers medical expenses and wage loss as long as you meet certain criteria.
PIP insurance does not provide health care or hospitalization benefits, but it does help with your daily living expenses such as food, clothing and shelter while recovering from an accident that caused physical harm or death.
Variations to PIP Coverage
There are several important variations to PIP coverage that you should be aware of. First, it’s important to note that PIP is not a substitute for health insurance. If you have a medical condition that requires ongoing treatment and medication, these conditions don’t qualify as pre-existing conditions–you will not receive any reimbursement under your PIP policy.
Second, PIP does not cover injuries sustained from intentional acts (e.g., assault). Thirdly:Injuries sustained from pre-existing conditions can be covered by your auto policy but only if they occur within the first six months of purchasing coverage; otherwise they are excluded from liability benefits under most states’ laws.
Legal Assistance with PIP Issues
PIP claims can be complicated, and it’s important to have an attorney on your side. If you’re going through a medical billing advocate or contacting the insurance company directly, make sure that they understand your claim and how long it will take for them to compensate you for damages.
You have the right to claim any damages caused by your accident regardless of who was at fault. As long as you’re covered under a personal injury protection plan, you can make a claim for damages even if you were partially at fault or completely at fault in the accident.
Personal injury Lawyer Milton protection is an insurance policy that covers you when you’re injured in a car accident. This can be expensive, so it’s important to know what PIP does and does not cover. When it comes down to it, your PIP coverage is meant for you and your family only. If someone else was at fault for any injuries during the event, then their insurance company will handle those claims on their behalf instead of yours.