Personal injury protection (PIP) is an auto insurance policy available to vehicle owners in the country. It covers medical expenses and lost wages related to an accident. It could also pay for death benefits and funeral expenses in the event of death. Depending on where you live, PIP coverage could be an optional policy or a legal requirement.
Have you been injured in a car accident in Los Angeles? Contact El Dabe Ritter Trial Lawyers to discuss your legal insurance options with an expert Huntington Beach Personal Injury Lawyer.
PIP is a no-fault policy. This means that it covers accident-related expenses regardless of who was at fault for an accident. However, it does not cover losses not directly related to your injuries, such as property damage. It also only covers your medical expenses to a specified limit.
If you face any problems with your PIP insurance after an accident, you can seek help from a Personal Injury Protection Attorney. This is an attorney who is well-versed in your state laws regarding PIP.
Determining Eligibility for PIP Benefits
Like any insurance coverage, PIP policies have some exceptions. When present, these exceptions could make you ineligible for reimbursement from your PIP insurance provider. Common examples include situations where:
- You failed to receive medical treatment after the accident — Generally, you are eligible for PIP benefits if you seek medical attention within 14 days of your accident. Failing to do this nullifies your eligibility.
- Your vehicle is uninsured — If you get into an accident in an uninsured vehicle, such as a motorcycle in some states, you could fail to get compensated.
- You got injured while committing a crime or running away from the police.
- You intentionally caused your accident.
- You were driving your car for fare, such as Uber.
If there is a question about your eligibility for PIP benefits, you should speak to a Personal Injury Protection Attorney immediately. They can ensure your insurance provider is not disregarding your rights.
Filing a Lawsuit if You Have PIP Benefits
PIP benefits are usually limited. They only cover some losses and only to a specified limit. If you rely on your benefits alone, you could end up with outstanding medical debts. You will also not get compensated for other losses such as property damage and pain and suffering.
Consequently, it is advisable to explore other compensation avenues after a car accident. Your attorney could help you file a claim or lawsuit against the at-fault driver. The settlement from these processes could cover any damages not paid for by PIP insurance.
That said, state laws on PIP coverage vary widely. Always discuss your eligibility for different legal options with your attorney before settling on a choice.
Contact a Huntington Beach Personal Injury Lawyer
PIP covers a percentage of your medical expenses. If the limit offered is not enough to cover your bills, you can turn to your health insurance or file a claim against the at-fault party in the accident. This will usually require the help of an expert Personal Injury Protection Attorney with El Dabe Ritter Trial Lawyers.
If you have any questions concerning your PIP coverage or would like advice on choosing the best cover for you, contact us online or call us to speak to our top Huntington Beach Personal Injury Lawyer at El Dabe Ritter Trial Lawyers.