Super Lawyers
Illinois State Bar Association
Justia Lawyer Rating
Million Dollar Advocates Forum
Avvo Rating
Rosenfeld Injury Lawyers BBB Business Review

What Is Personal Injury Protection (PIP) Coverage?

what-is-personal-injury-protection-coverage Millions of people are injured in car accidents each year, and the costs of medical treatment can quickly add up.

If you're one of the millions of Americans who don't have personal injury protection (PIP) coverage, you could be on the hook for tens or even hundreds of thousands of dollars in medical bills if you're injured in a car accident.

Were you injured in an accident that was caused by someone else’s negligence? The personal injury attorneys at Rosenfeld Injury Lawyers, LLC, can help you maximize the compensation you deserve

Contact our Chicago accident attorneys at (888) 424-5757 for a free consultation to discuss your damages.

PIP insurance is a type of auto insurance that covers the costs associated with car accidents, regardless of who is at fault. This includes medical expenses, rehabilitation costs, and even lost wages. PIP coverage is required in some states, but it's still a good idea to have it even if it's not required where you live.

Important Facts About Personal Injury Protection Coverage

PIP covers medical expenses and lost wages if you’re injured in a car accident, regardless of who is at fault.

Most states require drivers to have PIP coverage, but the amount of coverage required varies by state. In some cases, Personal injury insurance covers medical expenses and damages if an uninsured driver hits you.

PIP coverage can help you get back on your feet after an accident, but it’s important to understand what’s covered and what isn’t. Here are some things to keep in mind:

  • PIP coverage typically pays for your medical bills, lost income, and other related costs up to your policy limits.
  • PIP coverage is generally secondary to your health insurance, so it will likely pay for your medical bills first if you have health insurance.
  • PIP insurance covers funeral expenses in some cases.
  • Some states require drivers to file a PIP claim before filing a liability claim.
  • PIP coverage does not cover property damage.

Drivers involved in an auto accident should know their rights and options. Contact an attorney if you have any questions about PIP coverage or any other aspects of your accident.

General Overview of Personal Injury Protection Coverage

Personal Injury Protection (PIP) coverage is a type of auto insurance that can help cover expenses related to an injury, regardless of who was at fault for the accident. Personal injury protection coverage is sometimes referred to as "no-fault" insurance because it can help pay for your injuries even if you were not responsible for the accident.

Personal injury protection coverage is typically required in states with PIP auto insurance laws. However, even if PIP coverage is not required in your state, it may be a good idea to have it. PIP coverage can help pay for medical and surgical treatment expenses, lost wages, and other costs related to an injury.

What Personal Injury Protection Covers

PIP coverage can help pay for a variety of expenses related to personal injuries, including:

  • Medical Costs: PIP insurance covers medical bills, such as hospitalization, surgery, and ambulance fees.
  • Lost Wages: If you cannot work because of your injuries, PIP can help replace a portion of your lost income for your surviving dependents.
  • Funeral Costs: If you die due to an accident, personal injury protection insurance can help cover funeral expenses.
  • Other Costs: PIP can also help pay for things like transportation to and from medical appointments household services such as:
  • Child care
  • House cleaning
  • Home modifications for people who have difficulty walking.

PIP coverage is an important part of any auto insurance policy, and it can help you recover from an injury if you are not at fault for the accident.

What Personal Injury Protection Does Not Cover

Although PIP coverage can help pay for a variety of expenses related to an injury, there are some things that it does not cover. For example, personal injury protection does not typically cover:

  • Property damage: PIP does not cover damage to your car or other property. If you need help paying for damages to your vehicle, you must purchase collision coverage.
  • Pain and suffering: PIP does not cover pain and suffering damages. These are damages intended to compensate you for the physical and emotional anguish caused by an injury.
  • Punitive damages: PIP also does not cover punitive damages, which are meant to punish the person who caused the accident.

To receive compensation for these types of damages, you will need to file a personal injury lawsuit against the person who was at fault for the accident, especially if your medical bills exceed a certain limit.

If you have been injured in an accident, PIP coverage can help you cover lost wages, the cost of your medical bills, and other expenses. First, however, it is important to understand what personal injury protection does and does not cover to get the full benefits of your auto insurance policy.

Minimum PIP Insurance Requirements by State

Many states have minimum requirements for personal injury protection (PIP) coverage. This is the bare minimum amount of coverage you need to receive benefits for injuries sustained in an auto accident.

PIP coverage helps pay for medical bills, lost wages, and other costs associated with an accident, regardless of who is at fault.

In states with PIP laws, every driver must have this type of coverage. The minimum amount required in each state is around $5,000 for immediate medical coverage. The following are at-fault states with at-fault laws that require PIP coverage:

  • Arkansas
  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • South Dakota
  • Utah

The following are no-fault states with no-fault insurance laws that do not require PIP coverage:

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Illinois
  • Indiana
  • Iowa
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Nebraska
  • Nevada

If you're in an accident in a no-fault state, your PIP coverage will likely be the primary source of benefits. Typically, your PIP coverage will be secondary to the at-fault driver's insurance.

How PIP Insurance Works

When you're in an auto accident and injured, your no-fault insurance will help pay for your medical and surgical treatment bills, lost wages, and other costs. The amount of coverage you have will determine how much money you receive.

Your PIP insurance will also cover your family members, even if they're not driving your car at the accident. So if you have PIP coverage, your family members will be able to receive benefits even if they don't have their own insurance policies.

Pip Insurance: A Valuable Asset

If you're in an accident and don't have PIP insurance, you may be responsible for paying for your own medical expenses. This can be a costly expense, so it's important to ensure adequate coverage.

PIP insurance is a valuable asset if you're in an auto accident. It can help pay for your medical costs, lost wages, and other costs associated with the accident. If you live in a state with PIP laws, it's important to ensure adequate coverage.

How Much PIP Insurance You Need in Each States

The amount of PIP insurance you need in each state varies. However, the minimum amount of coverage required is typically around $5,000. Make sure you check with your state's insurance department to find out the specific requirements in your state.

If you don't have PIP insurance and are in an accident, you may be responsible for paying for your own medical care costs. This can be a costly expense, so it's important to ensure adequate coverage.

PIP Insurance vs. Health Insurance & Medical Payments Coverage

It is important to understand the difference between PIP insurance and medical payments coverage and the other available types of insurance. It will help you choose the right coverage for your needs.

When it comes to personal injury protection, there are a few things that you need to know about the coverage. First, PIP insurance is different than health insurance, although it does provide some of the same benefits.

In particular, Personal injury protection cover medical expenses and lost wages if you are injured in an accident.

PIP insurance is not the same as medical payments coverage, another type of insurance that can help pay for your medical costs.

With no-fault insurance, the benefits are paid regardless of who is at faul t for the accident. On the other hand, medical payments coverage will only cover your medical payments if you were not at fault for the accident.

The Differences Between PIP and Bodily Injury Liability Coverage

PIP and bodily injury liability coverage are two different types of car insurance coverage. Bodily injury liability coverage pays for the medical expenses of the other driver and their passengers if you are responsible for the accident.

PIP coverage pays for your own medical expenses, no matter who is at fault for the accident.

The casualty insurance company will pay for the medical expenses of the other driver and their passengers up to the policy limits of your bodily injury liability insurance. If you do not have bodily injury liability coverage, you will be responsible for paying the medical expenses yourself.

PIP coverage is mandatory in some states and optional in others. Bodily injury liability insurance is not required in any state, but it is highly recommended. If you are in an accident and the other driver is at fault, their bodily injury liability insurance or casualty insurance company will pay for your medical expenses.

How to File a PIP Claim

If you have been in a car accident and have PIP coverage, you will need to file a claim with your insurance company. You will need to provide your insurance or indemnity company with the following information:

  • Your name, address, and contact information: The insurance company will need to contact you to get more information about the accident and your injuries.
  • The date and time of the accident: The insurance company will need to know when the accident happened to determine if you are covered by no-fault insurance.
  • The location of the accident: Many PIP policies have a geographic limit, so the insurance company will need to know where the accident happened.
  • The names and contact information of any witnesses: Witnesses can help the insurance company determine who is at fault for the accident.
  • The name and contact information of the other driver: The other driver’s insurance company will need to be contacted.
  • A police report: A police report can help the insurance company determine who is at fault for the accident.
  • Your medical records: You will need to keep track of all of your medical expenses, as you will need to submit them to your insurance company. You should also keep track of any lost wages, as you may be able to recover them from your insurance company.
  • Proof of lost wages: The insurance company will need to see proof of lost wages to determine how much money you are entitled to receive.

You will also need to pay an health insurance deductible, which is the amount of money you will need to pay out of pocket before your insurance company will begin paying for your medical expenses.

Typically, the health insurance deductible is typically $500 or $1,000, but it can be higher in some states.

Your insurance company will review your claim and determine whether they will pay for your medical expenses. If you have health insurance, they may decide to only pay for a portion of your medical expenses resulting from an auto accident. If you do not have health insurance, they may choose to pay for all of your medical expenses.

Why You Should Have Personal Injury Protection Insurance

Like most people, you probably don't think about personal injury protection (PIP) insurance until you need it. And that's a mistake. PIP coverage is one of the most important types of insurance you can have.

The insurance products you purchase say a lot about you. When you have PIP coverage, it shows that you're responsible and take care of yourself and your loved ones.

Here are three reasons why you should have PIP coverage:

First, PIP Coverage Can Help Pay for Your Medical Expenses

PIP also applies to passengers in an insured vehicle. If you're injured while driving or while riding in someone else’s car, PIP coverage covers medical expenses, including hospital bills, medical supplies, doctor's visits, and prescription drugs.

PIP Coverage Can Help Pay for Your Lost Income

If you're unable to work because of your injuries, PIP coverage can help pay for your lost income and essential services.

PIP Coverage Can Help Pay for Your Funeral Expenses

If you're killed in a car accident, personal injury protection coverage can help pay for your funeral expenses.

PIP coverage is essential, but it's not required in all states. If you're considering buying as much PIP coverage as you can comfortably afford, check with your insurance company to see if it's available in your state.

Discuss Your PIP Claim With an Auto Accident Lawyer

Were you injured in an auto accident and have PIP coverage? An auto accident lawyer can help you file a PIP claim and negotiate with the insurance company on your behalf.

At Rosenfeld Injury Lawyers, we have experience helping people with PIP claims. We understand the process and can guide you through it.

If you've been injured in a car crash, don't hesitate to contact us today for a free, no-obligation consultation. We'll review your case and let you know how we can help.

Resources:

Client Reviews
★★★★★
Jonathan Rosenfeld was professionally objective, timely, and knowledgeable. Also, his advice was extremely effective regarding my case. In addition, Jonathan was understanding and patient pertaining to any of my questions or concerns. I was very happy with the end result and I highly recommend Jonathan Rosenfeld. Michonne Proulx
★★★★★
Extremely impressed with this law firm. They took control of a bad motorcycle crash that left my uncle seriously injured. Without any guarantee of a financial recovery, they went out and hired accident investigators and engineers to help prove how the accident happened. I am grateful that they worked on a contingency fee basis as there was no way we could have paid for these services on our own. Ethan Armstrong
★★★★★
This lawyer really helped me get compensation for my motorcycle accident case. I know there is no way that I could have gotten anywhere near the amount that Mr. Rosenfeld was able to get to settle my case. Thank you. Daniel Kaim
★★★★★
Jonathan helped my family heal and get compensation after our child was suffered a life threatening injury at daycare. He was sympathetic and in constant contact with us letting us know all he knew every step of the way. We were so blessed to find Jonathan! Giulia
★★★★★
Jonathan did a great job helping my family navigate through a lengthy lawsuit involving my grandmother's death in a nursing home. Through every step of the case, Jonathan kept my family informed of the progression of the case. Although our case eventually settled at a mediation, I really was impressed at how well prepared Jonathan was to take the case to trial. Lisa