Maryland law requires vehicle owners to purchase car insurance. A type of insurance known as personal injury protection is a part of the necessary coverage. PIP will cover medical costs for individuals involved in a car accident, no matter who is determined to be at fault. Worrying less about expenses in the immediate aftermath of an accident can relieve a great deal of stress.
But many insurance companies encourage people to waive this coverage. If you do this, you will not be able to claim any of those benefits in the event of a car wreck. You might save a little money on your premium. But you could lose a great deal more, sometimes thousands of dollars, without these benefits after an accident.
So pay attention to your car insurance policy and maintain adequate coverage that includes not opting out of PIP. Read on to learn details about personal injury protection coverage and the benefits you are entitled to with this insurance.
What Does Personal Injury Protection Cover After a Car Accident?
You can feel more inclined to purchase personal injury protection with your car insurance policy when you know the benefits you can claim. This coverage assists with costs related to a personal injury from a car accident, which refers to damage to an individual’s body or mind.
This means you can see coverage for medical expenses for injuries related to your accident. Examples include treatment from a doctor, surgeon, or dentist along with emergency services, medication, and other medical supplies.
PIP insurance might also include coverage for wages lost due to an inability to work after the accident, hired services to assist with tasks you cannot complete due to your injury, or funeral costs. Health insurance alone cannot offer these advantages. Check your car insurance policy to determine if these facets are included with this type of protection.
PIP coverage will not impact costs related to damage to property or vehicles after a wreck. Ensure your car insurance policy features additional coverage for these concerns.
How Do You File a PIP Claim?
If you intend to file a personal injury claim with your insurance provider to take advantage of PIP coverage, the process is similar to making any other claim. In some cases, you will need to pre-approve medical treatment before insurance will cover it. So make sure you review your policy and know the appropriate procedure.
However, before you talk to your insurance company, you should consult a personal injury attorney. They can review the facts of your case to ensure you know how much compensation you deserve following a car accident. Without this legal assistance, you might miss details or evidence that will impact your claim.
Do not delay speaking to a lawyer after a car accident. You can schedule a consultation with a personal injury attorney in Baltimore, MD at no cost to you online. Or you may reach them by phone at 410.291.8012.