What Is PIP?

In today's era, everyone is aware of the word insurance. When I heard this term and about its use for the first time, I was very curious to know more about it like what exactly it does, how can it help me, is there any sector for me and many such questions were there in my mind. And now we all know about the various offerings for insurance that are available in the market for each sector - vehicle, pets, home, and for you also. Today I am discussing a trendy term that is revolving around the insurance and personal protection - PIP or Personal Injury Protection and if you are looking for personal injury attorney then this blog will help you a lot. 

Before we start discussing the topic in detail, let me tell brief you a little about PIP. 

What Is PIP?

PIP has a funny ring to it, and while you probably recognize that it has something to do with your car insurance, you may not know much more about it than that. PIP refers to personal injury protection or personal insurance protection, and it's a good idea to understand the basics as they apply to your car insurance policy. It is a type of car insurance coverage that will pay for you and your passengers if you got injured in any car accident. In such case, you can pay all your medical bills through Personal injury protection coverage. 

It is a no-fault insurance meaning that no matter who is responsible for an accident, you will get the benefit. If you are not driving still you are covered. 

Did you know? Personal Injury Protection is compulsory and is unavoidable in 16 states. Some of them are -  New York, North Dakota, Maryland, Michigan, New Jersey, Arkansas, Minnesota, Oregon, Pennsylvania, Florida, Hawaii, Utah, Kentucky, Kansas, Delaware, Massachusetts. 

The minimum coverage requirement varies from each state. Expenses can include - 

• Child care expenses

• Rehabilitation expenses

• Injury coverage

• Daily services stipends

If you are from New York, and any driver leaves you injured, it's in your best interest to speak with an experienced New York personal injury attorney today.

New York Car Insurance

Drivers in New York are required to carry personal injury protection coverage in accordance with the state’s no-fault insurance laws. PIP is a form of medical coverage that is purchased in conjunction with one’s car insurance policy. In the State of New York, no-fault coverage means that your PIP will cover the expense of any injuries you sustain in a car accident– regardless of who is at fault. New York naturally has its own laws and regulations on the matter.

Your New York PIP Coverage

Your New York PIP insurance covers three basic categories of damages suffered, including:

 

• Medical Expenses

• Economic Losses

• Death Benefits
   

Your Medical Expenses

Your PIP policy will cover your accident’s resulting medical expenses, which can include

 

• Emergency care and transportation from the scene of the accident

• Surgeries, follow-up care, and aftercare

• Hospital costs

• Doctor, specialist, and therapist visits

• Dental care

• Physical therapy

• Prescription Medications
   

All told, your medical expenses after a serious car accident can be extensive.

Your Economic Losses

If the car accident leaves you unable to work, you’ll face lost wages, which your PIP coverage will take care of up to certain limits. Your coverage depends upon your policy limits, but it’s important to recognize that a serious injury can diminish your earning potential into the future and even alter the course of your career. In other words, the economic loss can be immense. No-fault insurance also carries a small death benefit to cover funeral and burial costs for eligible insured drivers who are killed in the course of a car accident.

Your Case

If you’ve been injured by another driver’s negligence, your PIP insurance is going to come into play. If your injuries are quite serious, however, you may also need to file a personal injury claim against the negligent driver to ensure you are adequately compensated for your damages. Qualifying injuries include dismemberment, disfigurement, fractures, loss of a fetus, a serious or permanent limitation to an organ or body function or system, a significant disability that lasts at least 90 days, or death.

Do you need PIP if you have Health Insurance? 

Getting Personal Injury Protection will always be beneficial for you, no matter in which state you live in. 

If you have health insurance and you live among one of the cities where PIP coverage is mandated then before using your health insurance you need to file a PIP Claim first. Well, there is no such need of both but yes once you have used the limit of PIP then you can depend on the health insurance. 

And if you don’t have any medical or health insurance then you should get PIP to help yourself in the case of any accident or injury.  

 

What PIP does not cover? 

• PIP will not cover any damage that is not related to personal injury. 

• It does not cover damage to your vehicle

• If you are responsible for the accident, it does not cover other people’s vehicle or any other property

• In the case of vehicle theft, PIP can not help you. 

• If medical bills exceed your coverage limit then it can not be reimbursed by PIP coverage

So, these are some of the things which will not be covered by PIP. Still, taking PIP coverage is much beneficial for you as it offers a lot of help and services. 

Call Us Today to Schedule a Free Case Evaluation with a NYC Personal Injury Attorney

Car accidents can lead to serious injuries that reverberate into your future, and it’s imperative that you obtain the compensation necessary to cover your damages in their entirety. The formidable legal team at Lipsig, Shapey, Manus & Moverman in New York City has decades of combined experience successfully litigating cases like yours, and we're here to help. Ours is one of the best-established firms in the City, so please do not hesitate to contact us online or call us at 917-813-3514 for more information today.