If you’ve ever looked at your car insurance statement and wondered, “What is personal injury protection coverage?” we’ve got the answers. Personal injury protection, also known as no-fault or PIP, takes care of your medical bills and wages and helps you stay on your feet after an auto accident, even if it was your fault. This coverage is an excellent safety net that will ensure that your needs are met and that you avoid bankruptcy in the event of an auto accident.
General Coverage
This coverage helps you get the medical assistance you need, replenishes a percentage of your wages, and gives you a small stipend to get around or pay for necessary items while you’re recovering. While the amount of your coverage will vary depending on your insurance and what level of coverage you opt for, you can rest assured that you’ll get a baseline with your New York State insurance.
Disqualifying Factors
Unfortunately, a few disqualifying factors will limit or eliminate the PIP benefits you’ll receive. Benefits are terminated if you get into an accident while driving drunk or under the influence of drugs, driving a stolen vehicle, driving while in the middle of committing a felony, or causing an accident on purpose.
If you have any questions about what is or is not covered in your personal injury protection coverage, we can discuss it with you in a consultation.
Minimum Coverage
You’ll start with $50,000 of coverage, which is New York’s minimum amount, but you can always opt for more if you want it. Your PIP cost is contingent on a few things, including how old you are, what kind of vehicle you drive, and where you live. Your driving history also comes into play and can raise the amount of your insurance, especially if you have a history of no-fault accidents.
Necessary Forms
If you need to make a PIP claim, you must fill out a few essential forms, including the Assignment of Benefits form that indicates what doctor you’ll be seeing and requests that your insurance pay them directly for your fare. There are also several different claim forms that you’ll need to fill out and forms that you need to provide to the medical professionals to ensure that your insurance is in order and paying correctly.
Since there are so many different forms to fill out and steps that you have to take to ensure that you’re properly filing your PIP, you should talk to a personal injury lawyer with experience in this area. This way, you can relax knowing you’re ahead of the game.
Personal Injury Lawyers Who Understand PIP
Our team fully understands personal injury coverage and can help you use it properly and get everything you deserve after an auto accident. Trust Queens’ best team of personal injury lawyers with years of experience helping people just like you. Contact Bardizbanian & Associates, P.C., in Queens, NY, at 718-521-6871 for a consultation today.
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