What Is PIP Insurance?

PIP Insurance Benefits in Car Accident Cases

What is PIP insurance? PIP is short for “Personal Injury Protection” coverage. In Maryland, PIP insurance coverage is required by law in all car insurance policies, unless the policy holder affirmatives waives the PIP insurance coverage. The minimum limits required by law in Maryland are $2,500.00. Some insurance companies, such as State Farm, offer greater limits, including $5,000.00 and $10,000.00.

What is Included in PIP Insurance Coverage?

Personal Injury Protection (PIP) insurance coverage will pay for medical expenses and 85% of gross lost income if you are injured in a car accident. PIP insurance is a “no fault” coverage; it will pay regardless of whether you or another driver is at fault in causing the car accident. Making a claim under PIP insurance coverage will not increase your insurance premiums, because it is a no fault type of coverage. In addition, PIP insurance coverage is “primary” over health insurance, i.e. PIP insurance coverage benefits should pay first until they are exhausted, then your health insurance is responsible for paying after that.

How do I Claim PIP Insurance Benefits?

If you were injured in a car crash, you need to notify your car insurance company immediately that (1) you were involved in a car wreck, and (2) that you were injured. Most car insurance companies will then send you an application form to fill out and send back. (State Farm no longer requires completion of a PIP application.) You must then submit copies of medical records, medical bills, and lost income verification to your insurance company for payment.

Top-Ranked Howard County Car Accident Lawyer

Attorney Jonathan Scott Smith has fought for the rights of personal injury victims in car accident cases in Maryland for more than three decades. He has built an outstanding reputation with clients and colleagues. Mr. Smith handles PIP insurance coverage claims, at no charge, on behalf of clients who are pursuing a personal injury claim.

Mr. Smith’s extensive trial experience — and track record of successful Past Results— has earned him the recognition of his peers and clients:

  • Maryland Super Lawyer.
  • 10.0 Superb” as a litigation attorney by AVVO.
  • AV-Preeminent™*” Peer Rating by Martindale-Hubbell Law Directory (25 consecutive years).
  • “Client’s Choice Award” by AVVO, based on average client reviews of 5 stars — the highest client review possible.
  • 2013 Top-Rated Lawyer by The American Lawyer magazine and Martindale-Hubbell.
  • 2013 Top Attorneys in Maryland (American Registry)

These are the highest ratings possible for legal skill, ethical practice, a lawyer’s years in practice, disciplinary history, professional achievements and industry recognition.

Lawyer Smith aggressively protects the rights of people who have been hurt, handling all types of car wreck and motor vehicle accident claims. He can help you pursue compensation if you have been injured in a hit-and-run car wreck.

Maryland Car Accident Attorney

To learn how we can help you obtain full and fair compensation for injuries suffered in a car wreck or motor vehicle accident, contact us online, or call (410) 441-5054 to schedule an appointment.

We represent injured people throughout Maryland, including Howard County, Baltimore County, Anne Arundel County, Carroll County, Frederick County, and Prince George’s County.