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  • Writer's pictureAdam Funk

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Personal injury protection (PIP) coverage is a type of car insurance that helps pay for medical expenses, lost wages, and other costs associated with an auto accident, regardless of who is at fault. PIP coverage is mandatory in some states, but it is optional in others.

What does PIP coverage cover?

PIP coverage typically covers the following expenses:

  • Medical expenses: This includes everything from doctor's visits and hospital stays to prescription drugs and physical therapy.

  • Lost wages: If you are unable to work due to your injuries, PIP coverage can help pay for your lost wages.

  • Funeral expenses: If you are killed in an auto accident, PIP coverage can help pay for your funeral expenses.

How much PIP coverage do you need?

The amount of PIP coverage you need will depend on your individual circumstances. If you have a high-deductible health insurance plan, you may want to consider a higher level of PIP coverage.

How do I file a PIP claim?

If you are injured in an auto accident, you should file a PIP claim with your own insurance company. You can do this by contacting your insurance company and providing them with the following information:

  • The date and time of the accident

  • The names and addresses of the other drivers involved in the accident

  • Your injuries

  • Any medical treatment you have received

What are the benefits of PIP coverage?

PIP coverage has a number of benefits, including:

  • It can help you pay for your medical expenses, even if you are at fault for the accident.

  • It can help you pay for your lost wages, even if you are at fault for the accident.

  • It can provide you with financial assistance if you are killed in an auto accident.

What are the drawbacks of PIP coverage?

PIP coverage has a few drawbacks, including:

  • It can be expensive.

  • It can have a deductible.

  • It can be difficult to file a claim and get paid.

How can I get the most out of my PIP coverage?

There are a few things you can do to get the most out of your PIP coverage:

  • Make sure you have the right amount of coverage.

  • File your claim promptly.

  • Keep track of all of your medical expenses and lost wages.

  • Be prepared to negotiate with your insurance company.

If you have been injured in an auto accident, it is important to understand your PIP coverage and how to file a claim. A personal injury lawyer can help you understand your legal rights and options and can represent you in your PIP claim.

Here are some additional tips for filing a PIP claim:

  • Be sure to provide your insurance company with all of the necessary information, including the date and time of the accident, the names and addresses of the other drivers involved, and your injuries.

  • Keep track of all of your medical expenses and lost wages.

  • Be prepared to provide your insurance company with documentation of your expenses and lost wages.

  • Be persistent in following up with your insurance company.

If you have any questions about your PIP coverage or how to file a claim, you should contact your insurance company or a personal injury lawyer.

PIP coverage can be a valuable resource if you are injured in an auto accident. By understanding your coverage and how to file a claim, you can maximize your chances of getting the financial assistance you need.

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