Personal Injury Protection

Personal Injury Protection (PIP) is a type of insurance coverage that can be purchased with a car insurance policy. PIP is used to cover medical expenses and provide income compensation to those who are injured in a car accident. Even if these expenses are paid through the other driver or your employer, PIP benefits are still available. Only people who are covered by the PIP policy and are injured will receive benefits. PIP will cover you and your passengers if you were the driver at-fault, as it is a no-fault policy.

PIP is beneficial in a couple ways. Since PIP is a no fault policy, blame does not have to be established before benefits are handed out, which means prompt medical and compensation payments. Also, costly lawsuits involving who was at-fault and therefore responsible for bills, can be avoided.

Maryland Law

PIP policies in Maryland are mandatory unless driver's have specifically opted out and are usually available in 3 amounts; $2,500, $5,000, or $10,000. If you have good health insurance and have good liability policies then minimal PIP coverage is necessary. However if you have little health insurance and liability policies then you'll probably be best off with as much PIP coverage you can afford. In Maryland, PIP starts with every car insurance policy purchased, unless a waiver is signed. PIP is usually relatively inexpensive and greatly beneficial, so car insurance buyers should think twice before waiving it. The justification that health insurance will pay your medical bills is unsatisfactory as health insurance won't cover any lost wages that PIP will, nor will your insurance pay for injured passengers. If you are not at fault PIP will pay for your medical bills on top of whatever the the at-fault drivers insurance policy pays.

PIP Eligibility

If you are in a car accident you are probably eligible for PIP if: you are driving your own vehicle and have not waived PIP, you are the passenger of another driver's vehicle (as driver's can waive PIP on their passengers behalf, unless you have waived PIP on your own vehicle's policy). You are not eligible if you are in a vehicle with no PIP benefits available to passengers, such as public transportation, unless you have not waived PIP on your own vehicle's policy. Contacting a lawyer to find out if you are eligible for PIP would be beneficial to you.

PIP Coverage

PIP coverage is usually available in 2 different plans: full and limited coverage. Full coverage extends to medical expenses, including hospitalization, medications and physical therapy if needed; income compensation if the injured party is unable to work; 'substitute' services, which may be necessary if the injured party is unable to perform household duties and needs to hire outside help; or funeral expenses if the injured party dies from accident related injuries. This type of coverage applies to the policyholder, their spouse, and other members of the policyholders household and in the event of injury when they are passengers in other drivers' vehicles. Limited coverage applies to much of the same conditions, providing benefits to those covered in the event of a loss.

Also view our Truck Accidents page.

Entirely too often in our personal injury experience, it is necessary to inform our clients that their personal automobile safety net misses indisputable "no fault" insurance protection that feature advantages considerably in their situations, devoid of preceding compounded insurance rates. Personal Injury Protection (PIP) and Medical Pay Insurance (Med Pay), a specified arrangement of insurance, offers central value at comparatively low-cost.

Equally distinguished as insurance intended to repay the injured victim, personal injury protection (PIP) insurance is for individualized accidental injury capable to the determinants of the PIP coverage. In Maryland, the PIP safeguard typically is $2,500. Precisely, the insured receives compensation from PIP insurance benefits for medical expenses and lost salaries endured, as a result of the accident. Med Pay offers related insurance coverage with the exception of exclusively paying out medical disbursements and not disrupted income earnings.

PIP and Med Pay indemnity represents "no fault," denoting an individual has an entitlement to PIP or Med Pay benefits in the happening or not they were legally accountable for the accident. Based on information on PIP (Personal Injury Protection) and Maryland Law, insurers are not at liberty to raise the individual protected against risk coverage rates, as a result of a PIP or Med Pay claim.

In other states, including Maryland, persons own the license to "forfeit" or decline PIP or Med Pay coverage. It is common that people choose for not holding additional coverage avoiding supplementary costs incurred on their insurance, merely after regrettably enduring an accident and not having the additional PIP coverage.

Preceding to relinquish your rights as the insured, you had better confer with an attorney or a well-thought-of insurance representative in front formally signing away your PIP or Med Pay benefits in Maryland. Provided that you experience pain in an automobile accident from somebody added negligence, you save precious time and frustration allowing the insurer to affect a claim and facilitate the investigation quickly.

Each year, there are several vehicles on the street resulting in an increasing quantity of auto accidents. Car accidents frequently produce trauma and, entirely to a fault, a considerable amount of them life-threatening. Financially, the contrary results can be quite an unaffordable legal outcome.

Ultimately, be an honorable insured person provided that you have been the victim of an automobile accident. Communicate with your insurer directly and provide complete the relevant facts concerning to the accident. Should you have any questions, contact out law office and speak to an accident attorney.

Maryland Injury Lawyers

If you would like any other information please feel free to contact our firm. We also have additional information on our blog, spec

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