Car Accident? What is PIP?

In today’s world almost everyone drives, owns or rides along in a car. There are lot of them out there on the road and let’s face it…accidents can happen! Some can be minor while others more serious. In either case it’s important to ensure that you, yourself are healthy and no injuries have occurred during the accident. Which is where Personal Injury Protection (PIP) comes into play. Most people will opt in for PIP while setting up their automobile insurance. However most people aren’t aware of what this means or why we have it.

PIP claims have to do with “no fault” car insurance. Many car insurance policies in Washington include a provision known as PIP, or Personal Injury Protection. This coverage pays for collision related medical expenses up to a set limit, regardless of fault. Under this coverage, there are no co-pays or deductibles, and collision-related medical bills are paid at 100 percent. It is  important to set up an exam with your chiropractor, MD or primary health care physician so they can establish a baseline. The goal after the examination is to return to your pre accident status and to have you feeling healthy again!

PIP also covers a certain portion of collision-related income loss. If a driver cannot work as a result of injuries incurred in the collision, the PIP policy will pay a portion of the lost wages. Most policies exclude the first two weeks after the collision, so there is no coverage for wages lost during those first 14 days after the injury. Additionally, PIP will cover only 85 percent of your regular income, up to a limit of $200 per week.

Accidents are a daily occurrence, there’s no avoiding them. Feel free to ask questions if there is something you’re curious about and we will be more than happy to help!

Adler, Richard H. From Injury to Action: Navigating Your Personal Injury Claim. N.p.: World Association, n.d. Print.

Cover Hound. “What is Personal Injury preotection (PIP) Insuracne” <https://coverhound.com/insurance-learning-center/what-is-pip-insurance>

DMV.org. “Car Insurance and Your Health Insurance” <http://www.dmv.org/insurance/how-much-personal-injury-protection-to-buy.php>

 

Share

July 26, 2016 · by  · in Clinic News · Tags:

Comments are closed.