What is my Personal Injury Protection (PIP) Policy?tue
What is my Personal Injury Protection (PIP) Policy?
Once you suffer an injury in an automobile accident (bicycle or being hit by vehicle counts as well), your auto-insurance policy will pay $15,000 towards medical treatment reasonably related to the curative treatment of your injuries.
You may have a higher policy, but it depends on your plan. Very few insurance companies provide any personal injury protection benefits for motorcycles, but it is worth having an experienced personal injury lawyer read your policy.
The law recently changed that allows the personal injury protection amount to be used for up to 2 years after the injury. You have the right to see any doctor you choose, but having a referral from your primary care physician is always the safest approach. It is beneficial to use your personal injury protection benefits and then turn to health insurance if you have used up your full policy.
If you cannot work for at least 14 straight days and have a doctor’s order stating you cannot work due to the injury, your personal injury protection will cover 70% of your lost wages at a maximum of $3,000 each month. This amount is not taxed!
There are also personal injury benefits available for essential needs and services.
Your insurance company may try and cut off your medical benefits by stating they are not related or needed. The insurance company may even try and have you see one of their “independent” doctors. Having a lawyer who can protect your interests and file a lawsuit against an unlawful denial is in your interest.