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What Is Personal Injury Protection (PIP)?

Mar 16, 2020
Shamis & Gentile, P.A.
Car Accident Injuries

Personal Injury Protection, also often shortened to ‘PIP’, is a type of automobile insurance coverage. The insurance product is designed to enable you to claim from your insurance provider in the event that you are injured in a car accident and require medical attention in order to ensure a full recovery.

What Is included in PIP Insurance?

It is important to read the fine print included in your PIP insurance policy documents, because most insurers will insist that you receive treatment for your injuries within 14 days of sustaining them. If you do not, your claim will be invalidated. As long as you follow the requirements for a successful claim, your insurer is likely to reimburse you for up to 80% of the medical expenses that are deemed related and necessary to your injuries, which took place during the car accident.

Your personal protection insurance should also cover you for transportation costs via an emergency vehicle, such as an ambulance, to the hospital or clinic for medical treatment following the accident. Be sure to keep detailed records of these specific details as they will come in handy as evidence when it is time to submit your claim.

Finally, your personal injury protection insurance will also cover you for any lost wages or loss of income as a result of injuries sustained during the car accident. This coverage is usually around 60% of your regular earnings, although Household Services are often paid at 100%.

Some insurance companies will attempt to limit your benefits by stating that your medical condition or injuries were not ‘emergencies’ in nature. This is when it is time to get in touch with personal injury protection lawyers who can assist you in accessing your entire benefits upon submitting your claim.

How PIP Attorneys Can Assist With Personal Injury Protection Claims

A high caliber PIP attorney will not simply accept the initial settlement offer made by your insurer if it does not take into account the full amount of expenses you will likely incur. Our Miami personal injury attorneys have access to medical experts, vocational specialists, and other experts that are available to help us identify the short-term and long-term expenses related to your injuries such as surgical expenses, physical therapy, and hospital bills.

Ultimately, the difference lies in looking at a case from all angles and helping you gather all of the necessary evidence in order to maximize the value of your personal injury protection claim. All of this is critical in getting you properly compensated. For more information, get in touch with the personal injury protection lawyers at Shamis & Gentile, P.A. today.


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