Personal injury protection (PIP) coverage is usually implemented in the states that follow the no-fault insurance policy. If you have personal injury protection coverage, your insurance provider would be the one who will provide the compensation after an accident regardless of who caused the accident and resulting damages. These would help cover for the medical bills, lost earnings, and other expenses that happened because of the accident. The payment will cover for some or all of the lost earnings, all depending on the limits that the state you are in requires.

As explained on the website of Williams Kherkher, PIP claims need to be done in cooperation with your insurer. Providing a recorded statement is essential in PIP claims, along with the requirement to have a physician selected by the PIP insurer to conduct a medical examination may be required by the state in order to determine the extent of the injuries and how much compensation is necessary. Failing to cooperate with the PIP insurer may cause you to be unqualified for any PIP benefits.

PIP claims are those that are filed to your own insurance company for payment of the medical bills and lost salaries. It will be the insurer’s responsibility to pay for the medical expenses as well as compensate for the salaries that you weren’t able to get because of the accident. When your medical bill is over the states’s no-fault limit, you will be the one responsible for paying for them. Additionally, states that follow the no-fault law when it comes to car accidents often does not permit victims to file for a personal injury claim against the offending driver, except in cases where the expenses have reached a certain amount of when the injury is deemed as adequately serious. The only legal right you have as a victim of the car accident is compensation for medical expenses and lost wages. And non-tangible damages such as pain and suffering is not provided.


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