PIP/Medical Payment Claims

Policy coverage: PIP / Medical payments coverage. Remember that you must be offered at least $2500 of PIP coverage at policy inception and have rejected it in writing in order to not receive this coverage. (See PIP / Medical Payments)

Covers: You, your family members and your passengers.

Pays: Medical expenses, 80% of lost wages and necessary caregiver services up to the stated policy limits. An example of a caregiver service would be a maid or someone to do yard work as you are not able to as a result of your injury. There is no payment for loss of wages on Medical payments coverage.

The amount of payment will be based on documented medical expenses/bills from the provider and verified loss of earning from the employer. The limit is not automatically paid and only the amount used will be considered for payment.

PIP is considered a no fault coverage and you are entitled to these benefits whether your claim is filed with your insurance company or the other party’s insurance company. You do have to actually file the PIP claim with your carrier but you can still file an injury claim with the other party’s carrier if it is determined they were at fault for the accident.

You have 3 years from the date of the accident to file a PIP claim.

A PIP application will be required and sent to all parties making a claim. In addition, your employer and medical providers will be sent a wage / salary authorization and a medical authorization to obtain medical information.