Personal injury damages from car accidents can easily tally up to hefty costs with medical bills and other expenses and put a dent in your wallet. Personal injury protection (PIP) is additional no-fault coverage that can help defray the costs for both family and friends after a car accident. It’s a smart supplement to your health insurance and standard auto liability insurance.
How PIP Works
No-fault coverage pays expenses for policyholders and passengers in the event of a car accident. It pays no matter who caused the collision. Depending on the policy limits, it can pay up to 80 percent of medical and other expenses. PIP may also cover hospital bills not covered by your health insurance, rehabilitation costs, child-care expenses, lost wages, personal services like housekeeping and funeral costs. In addition to paying extra expenses, PIP makes payments timely when the insurance companies are trying to assess who’s responsible for what.
If you have health insurance with good post-accident benefits, low PIP limits may be enough. If you don’t have health insurance, it’s a wise move to get as much PIP coverage as you can afford. Consider the total financial impact a car accident may have when determining your PIP limits. This coverage can be add-on or adjusted at any time. At the same time, it’s important to note that you’ll still need to have body injury liability coverage on your policy.
Attorney Robert J. Lee: Car Accidents
PIP coverage is complex, and attorney Robert J. Lee can help you figure out what’s covered and how much is allowed. He’s helped many other clients involved in car accidents with PIP coverage. In addition, attorney Robert J. Lee can assist with filing a lawsuit against the other driver. He does a thorough investigation to determine how the accident occurred, including attaining police reports, taking accident scene photos and photos of physical damage and accident reconstruction. Also, he gathers all of the relevant medical documentation in order to show direct cause and to value your case.
When you’re involved in a car accident, there’s a lot to think about. Do you have enough insurance to cover expenses? What will PIP pay for? Do you have a credible case against the other driver to sue for damages and win? Let the experience of attorney Robert J. Lee work for you.