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What Is PIP And How Lawyers Can Help With PIP Claims

You’re cruising down the highway, belting out your favorite tunes, when suddenly – bang! An unexpected accident has you spinning in circles of confusion. You might be thinking about the damage to your car or if anyone is hurt.

However, have you given any attention to what comes next? Who will cover the costs of treatment and missed wages?

Fortunately, Personal Injury Protection (PIP), often referred to as no-fault auto insurance, steps in. 

But what exactly is PIP? And how can it help you navigate through the financial turmoil that often follows an accident?

What is PIP?

PIP, short for Personal Injury Protection, is a type of no-fault insurance coverage that will help cover medical costs and even wage loss benefits if you’re injured in an auto accident, regardless of who’s the at-fault driver.

This means that even if the accident was due to your error, your insurance company will still step in to provide financial assistance.

Think of PIP as your financial safety net when accidents happen. Whether it’s for treating bone fractures or dealing with acute T12 fractures, its purpose remains the same: to ensure you don’t bear the burden of unexpected medical bills alone.

This insurance coverage extends beyond just hospital bills. It can also cover rehabilitation expenses and even funeral costs if needed.

However, every auto insurance policy has its limitations and it’s essential to know what these are so you can take full advantage of your personal injury protection package.

Personal Injury Protection Coverage and Benefits

You’ll find that personal injury protection offers a range of coverage, including medical expenses, lost wages due to injury, and even services like rehabilitation.

As an essential part of your auto insurance policy, PIP can provide financial relief when you need it most. It’s designed to help you avoid the stress and hardship associated with accident-related expenses. When faced with an accident claim, knowing you have this support can provide some peace of mind.

Here’s what makes PIP so valuable:

  1. Medical Expenses: Your insurance coverage will take care of hospital bills, medication costs, and any necessary medical treatments up to your policy limit.
  2. Lost Wages: If an injury prevents you from working, PIP benefits kick in to compensate for lost income up to certain policy limits.
  3. Rehabilitation Expenses: The road to recovery often involves physiotherapy or occupational therapy; these are covered too.
  4. Death Benefits: In the unfortunate event of death resulting from the accident, maximum compensation benefits are also provided for funeral expenses.

Eligibility and Requirements

If you’re a driver insured under an auto insurance policy, you’re likely already covered by Personal Injury Protection (PIP). This no-fault benefit is often a part of your insurance policy whether you realize it or not. Even if you weren’t driving during the accident, as long as you were involved in some way – say, as a passenger, pedestrian, or cyclist – PIP benefits typically apply to you.

For all those accident victims out there feeling lost and confused after their ordeal, take heart! You’re not alone; many have walked this path before.

However, eligibility isn’t just about being an accident victim with an insurance policy. Certain conditions have to be met for these no-fault benefits to kick in.

First off, medical costs must result directly from the auto accident. That means if your injuries aren’t related to the accident then these costs might not be covered by PIP.

Secondly, personal injury claims should generally be made within a certain time frame following the accident – typically around 30 days but this can vary depending on your state’s particular laws.

It sounds daunting. But don’t worry; remember that personal injury lawyers can help ensure that everything is handled correctly and timely so those costly medical bills won’t leave you stranded financially after everything else has been taken care of.


Legal Assistance

Navigating the complexities of insurance claims after an accident can be overwhelming, but don’t fret – legal assistance is available to guide you through every step.

Accident attorneys experienced in understanding the ins and outs of no-fault insurance policies, ensuring that you get all the benefits entitled to you. They’ll help you navigate tricky situations, like when an insurer refuses to pay for your medical bills or tries to limit your compensation for treatment.

In case things take a turn towards a personal injury lawsuit, having professional legal assistance by your side can make all the difference. Your attorney will meticulously prepare your case against the insurance carrier, fighting tooth and nail so that you aren’t left out in the cold financially after an accident. Whether it’s gathering evidence, negotiating with insurance companies, or representing you in court – they’re there every step of the way.

The journey post-accident may seem daunting but remember, we’re all in this together – let an experienced accident lawyer help carry some of that burden so that you can focus on what truly matters: healing and recovery.

Fair and Adequate Compensation

Having the right legal support can make a world of difference when it comes to securing fair and adequate compensation after an accident. Lawyers who have experience in PIP claims understand the intricacies of insurance laws and regulations, and they’re dedicated to ensuring you receive all the benefits you’re entitled to.

Every legal counsel will exhaust every avenue to ensure your medical expenses, rehabilitation services, wage loss, and other associated costs are covered within your PIP limit.

Here’s how a lawyer can help with PIP claims:

  1. Review Your Auto Insurance Policy: They’ll examine your policy meticulously to understand its terms and conditions, identifying what is covered under your PIP insurance.
  2. Handle Paperwork: Lawyers take care of all necessary documents related to pip claims, reducing stress during your recovery.
  3. Negotiate with Insurance Companies: They have experience dealing with insurance companies and won’t be intimidated into accepting less than what’s fair.
  4. Pursue Additional Compensation: If required, lawyers will pursue additional avenues for compensation beyond your PIP coverage.

Remember that everyone deserves fair and adequate compensation after an accident – don’t settle for less because it seems too complicated or daunting. With proper legal support by your side advocating for you every step of the way, navigating through PIP claims becomes significantly more manageable.

In a Nutshell

Understanding PIP and how it works is vital to ensure you’re adequately covered in the event of an auto accident. It’s equally important to recognize when you might need legal assistance to successfully navigate the complexities of a PIP claim.

An experienced lawyer can help significantly by fighting for your rights, helping you understand the process, and working hard to ensure that you receive all the benefits that are rightfully yours under your policy.

Don’t let confusion about PIP claims hold you back.


The Law Offices of Stuart Kerner, P. C. has many years of experience in dealing with personal injury accidents. We have dealt with thousands of motor vehicle accidents involving PIP and have built a reputation for securing the maximum amount of compensation for our clients. If you have been involved in a personal injury accident, contact The Kerner Law Group, P.C. today on 718-796-7900

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