What is Personal Injury Protection

Personal injury protection can kick in whether you’re the driver or a passenger. Pedestrians and bike riders can also be covered for their injuries under personal injury protection. While the insurance does cap payout limits, and this can vary depending on state laws, all PIP covers the following.

Medical Expenses

On top of covering medical bills for you and your passengers after a car accident, PIP coverage may even help cover your health insurance deductible.

Work Loss

If you’re injured in an accident and have lost wages because you’re out of work, your PIP coverage can help. This benefit can also apply if you’re self-employed and need to hire temporary workers to perform tasks.

Funeral Expenses

Your PIP coverage can help pay for funeral, burial, or cremation expenses after a car accident.

Survivors’ Loss

If you pass away in an auto accident, your PIP insurance can help replace your lost income for your surviving dependents.

Essential Services

Your PIP insurance can also help pay for services that you’d normally perform if you weren’t injured, like childcare and housecleaning.

While PIP covers most economic damages, it does not provide compensation for non-economic damages. These can include property damage. For example, PIP doesn’t cover vehicle repairs or replacements. If another driver sustains injuries in the accident, your PIP plan doesn’t cover their expenses. Even if you’re the at-fault driver, your personal injury protection policy only covers your damages.

PIP may also not cover your damages if the accident occurs while you’re committing a crime. An example is if you’re injured in a car accident while fleeing from the police. If you’re a rideshare driver, PIP may also not kick in. In this instance, the ride share’s insurance is typically responsible for covering your damages.

Understanding when PIP coverage applies and doesn’t can be complex. Even if PIP does cover your damages, the insurance rarely covers everything. If you’re left with outstanding medical expenses after PIP pays out, you may be eligible to receive additional compensation. This is when it’s generally advisable to contact an experienced personal injury law firm like Morgan & Morgan.

Morgan & Morgan is the nation’s largest law firm, and we have a proven track record of success. We have recovered over $20 billion in damages for our clients and can help you receive full and fair compensation. If you still have expenses after filing a PIP claim, we may be able to help. Contact Morgan & Morgan today to schedule a free consultation with one of our specialists.