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What is PIP (Personal Injury Protection Insurance) Auto Coverage?

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Many people have heard the term PIP. PIP insurance, or Personal Injury Protection is a type of coverage that you can purchase in addition to your liability insurance coverage. It costs a little extra but is well worth paying the extra money to add it to your policy. Most people generally carry $2,500.00 worth of coverage but you can buy additional coverage up to $300,000.00 or more.

PIP or Personal Injury Protection coverage is designed to cover you or your passengers incurred medical bills or lost wages as a result of an accident involving a motor vehicle. You can use the PIP coverage regardless as to who is at fault in the accident. Unfortunately, many drivers are uninsured, thus, PIP coverage may be the only available insurance to cover your medical bills. If you have an auto accident and it’s your fault you can still use your PIP coverage to help pay for medical bills incurred as a result of the accident. You can also use it if the other party was at fault as well. It is a no fault coverage.

If you are injured in an accident involving a motor vehicle you can file a claim by simply calling your agent or your insurance carrier and advising them what happened. Tell them you need to file a claim under the PIP portion of your policy. You will need to give them the date, time and location of the accident, and the parties involved. Your insurance carrier will assign a claim number and an adjuster to your file. Your insurance carrier will send you a form in the mail called a PIP application. This must be filled out properly and returned to your insurance company along with the medical bills that you have incurred. Your insurance carrier may elect to have your medical bills audited before they reimburse you. You can also submit lost wages to your insurance carrier if you carry PIP. They will require verification from your employer before they will reimburse lost wages. Remember, your PIP insurance coverage will only reimburse up to the amount that you carry on your policy.

Many consumers elect to have an attorney assist with filing for their PIP coverage. There is a lot of paperwork that goes into filing the claim and a lawyer experienced in car accidents can provide valuable assistance. At the Law Office of Julie Johnson, we have assisted thousands of persons involved in car accidents with their PIP benefits.

You Probably Have Questions – We Can Answer Them All

For experienced auto-wreck legal help, call or email us. We offer free initial consultations, are available for evening and weekend appointments, employ Spanish-speakers and are conveniently located off of Highway 75. Also, we work exclusively on a contingency-fee basis, in all practice areas, ensuring that your costs are minimal in the unlikely event that we do not win your case.