Filing PIP Claims After an Accident
Personal injury protection claims are used in states where no-fault law applies for car accident victims. Some of these states include New York, Michigan, Pennsylvania, Utah, Florida among others. No fault law refers to a system of settling car accident cases where each party seeks compensation from their own insurance company. This is irrespective of the party that caused the accident. For example, when you get involved in accident at the workplace, you will have to seek workers’ compensation from your insurance company rather than employer.
Depending on your state, there may be a limit on how much the insurance company can offer as compensation. In some states, there is no limit. Car accidents, workplace accidents, and product liability accidents are some of the cases where the no fault rule applies. The personal injury lawyer you hire will know the laws that apply to your state.
What is a Personal Injury Protection (PIP) Claim?
The claim you make against your insurance company to get compensated for your lost income or medical expenses is known as PIP. In some states, PIP claims can be filed by a personal injury attorney and be paid in full. However, in other states where there is a limit on the amount you can claim and the insurance company will pay the claim up to the limit. You will have to pay the remainder of your losses from your health insurance policy or out of pocket when the insurance company has paid up to the limit provided for in the state.
Still, there are some instances, when your personal injury lawyer will be able to file a claim with the person that caused your injuries and/or losses. For example, if the injuries you sustained are way more serious and the damages you incurred are very high than what the state provided limit, your lawyer can pursue compensation from the party responsible for your injuries.
Working with Your Insurance Company
When filing a PIP claim against your insurance company, there are certain requirements that your insurer may demand before paying your claim. For example, you may have no choice but to write down the events that led to your accident. The insurance company may want to have their own medical expert conduct a physical examination on you to confirm the injuries you are claiming for compensation. Another thing that may be required is the details of your losses.
Your personal injury lawyer will examine these requirements and advise you on what to do. To be compensated for your losses, you have to cooperated as much as possible with the insurance company. If you fail to comply with the demands, the insurance company is at liberty to terminate your personal injury protection benefits.
The above is an overview of how personal injury protection claim works.