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Your State and PIP Coverage

Personal Injury Protection (PIP) is an extension of the automobile policy, which is available in many states. It covers medical expenses and, in some cases other expenses. Premiums do not increase when using this coverage.

Here is a summary of PIP benefits:

Medical Expenses

Medical Payments (MP) is the medical expense provision of the law, which provides reimbursement for all incurred medical expenses incurred due to personal injuries from the car accident. Dependent upon the type of insurance coverage involved, these may be coordinated benefits, which pay all expenses not covered by basic major medical; or full benefits, which pay all medical expenses incurred, even if a major medical provider pays those. Medical expenses are a lifetime benefit up to the policy limit.

Medical Mileage

Part of the medical expense provision of the PIP act provides for reimbursement of transportation expenses, including expenses for mileage to and from doctors? offices, hospitals and rehabilitation clinics, or bus and taxi fare in the event the injured person do not drive. Please keep a detailed record of mileage expenses and submit them to the insurance company along with other medical bills. Employment/Wage Loss

The wage loss provision of the PIP law will reimburse the injured person for a state specified percent of any wages lost as a result of injuries, up to a statutory monthly maximum that is adjusted every year Wage loss is payable usually for three years from the date of the accident.

Household Services

The replacement services provision of the PIP act will pay up to a specified amount per day for any services the injured person previously did for self now must hire someone else to do because the injured person are unable to carry them out due to car accident injuries. Replacement services can be performed by family members and can include investment income, housekeeping, lawn and garden maintenance, car maintenance, meal preparation, baby-sitting/child care and driving family members to school and appointments.

Assisted Care

Pursuant to the PIP act, attendant care benefits are recoverable in the event of serious personal injury from a car accident. Attendant care benefits are also referred to as nursing services, and are defined by attendant care lawyers as ?activities of daily living,? such as monitoring and supervision for safety reasons, administering medication, bathing, dressing, ambulation, styling/combing of hair, other grooming, help using the toilet, driving the patient, fetching things for the patient, carrying and lifting things for the patient, and wound care. Attendant care can be compensable by nurses, as well as family members or legal guardians who perform nursing services.

States with mandatory PIP coverage

  • Arkansas
  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland (unless a waiver is signed at initial purchase of the policy)
  • Massachusetts
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah
  • Washington (unless a waiver is signed at initial purchase of the policy)

For example: When a car accident or truck accident has occurred, the car accident victim can recover car insurance benefits from her own insurance company, pursuant to the state?s laws in which the accident occurred. They can collect Med Payments or PIP benefits based on what they purchased on their policy and their limits. The PIP includes medical expenses, payment for mileage to and from medical appointments, wage loss, household replacement services and attendant care.

Here is more information on the subject.


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