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Personal Injury Protection Claims After a Car Accident

Personal injury protection claims are used in states where no-fault law applies for car accident victims. Some of these states include New York, Michigan, Pennsylvania, Utah, Florida among others. Under no fault laws, the insurance companies of the people involved in an accident are responsible for paying compensation to the policy holders. Here, it doesn’t matter who caused the accident; compensation is offered by the insurance company to their respective clients. For example, should you be hurt in an accident while working, it is your insurance company that will offer compensation instead of your employer.

In some no-fault states, there is a limit the benefits the insurance company can pay. In some states, there is no limit on how much compensation can be given to a victim of an accident. The no fault rule applies in different types of cases, including car accidents, workplace accidents, product liability accidents among others. An experienced personal injury lawyer should be familiar with the laws that are applicable to your state.

Understanding How PIP Works
The claim you make against your insurance company to get compensated for your lost income or medical expenses is known as PIP. In some states, PIP claims can be filed by a personal injury attorney and be paid in full. However, there may be a limit on how much the insurance company can pay in some states. You will have to pay the remainder of your losses from your health insurance policy or out of pocket when the insurance company has paid up to the limit provided for in the state.

Still, there are some instances, when your personal injury lawyer will be able to file a claim with the person that caused your injuries and/or losses. For instance, if your medical injuries go past a certain threshold of seriousness and consequently raise the cost of your medical expenses considerably, your attorney may be able to pursue compensation from the other party.

What You Should Know When Working with an Insurance Company
There are some requirements you must meet before filing a claim with your insurance company. For example, you may have no choice but to write down the events that led to your accident. The insurance company may want to have their own medical expert conduct a physical examination on you to confirm the injuries you are claiming for compensation. You will also be required to provide details of the extent of damages you incurred.

Your personal injury lawyer can vet these requirements on your behalf to ensure that they are justified. To be compensated for your losses, you have to cooperated as much as possible with the insurance company. Your PIP benefits can be denied if you fail to cooperate with the insurance company.

The above are the steps to filing a PIP claim.

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