If you have ever been in a car accident, one of the first questions you may hear will involve the word PIP. PIP is personal injury protection and will pay your medical bills (up to the limit of your policy) without concern for who caused the accident. In Pennsylvania, PIP coverage is required for all drivers. Why? Because personal injury protection ensures that your medical bills are paid from your own insurance carrier if you are injured in a car accident. This initial level of coverage is important and provides certain benefits:
- It ensures that your medical bills are covered (up to your policy limits).
This first-party benefit is designed to ensure your medical bills are paid. However, deductibles and copays may be required, depending on the type of coverage you select.
- Timely Payments
PIP coverage is designed so that you can access your benefits quickly without having to go through the other parties’ insurance carrier or having to determine who was at fault.
When accessing medical benefits, PIP works like medical insurance. You provide your car insurance information and claim number to your medical provider, and they’ll bill your insurance company directly. Not all health providers take PIP insurance, so it is important to ask your provider before you go for treatment.
Depending on the amount of coverage and protection elections you select, PIP can also cover medical expenses, lost wages, and even funeral expenses in the event of death.
HOW MUCH COVERAGE DO I NEED?
The State of Pennsylvania requires the following minimum coverage:
- $5,000 in medical benefits
- $15,000 per person/ $30,000 per accident bodily injury liability
- $5,000 property damage
These amounts are just the bare minimum required. If you do not have enough PIP coverage your personal health insurance will be triggered. If your personal health insurance has a high deductible you may want to make sure you have large PIP coverage with a lower deductible.
You should talk to your insurance agent about the policy limits that work best for you and your family.
PIP IS DIFFERENT THAN BODILY INJURY LIABILITY
Be mindful that PIP is different than bodily injury coverage. PIP pays for your medical bills. Bodily Injury protection covers you in a lawsuit if someone sues you for injuries they received in a car accident you were involved in.
HOW WE CAN HELP
When you’ve been in an accident, the last thing you want to be worried about is whether your insurance will cover your losses. The rules vary depending on the situation, and it can be confusing trying to get a straight answer.
We can help you get the answers and the peace of mind you need. If you have questions or need assistance with any car accident, we are here to help. Call the Law Offices of Thomas More Holland at 215-592-8080.