How do you collect PIP insurance?

To collect a PIP insurance payout, you’ll need to file a claim with your car insurance company and give them all the details about the car accident as well as your medical costs. PIP, or personal injury protection insurance, can be used to cover your injuries and other costs resulting from the injuries, like lost wages.

How to Collect PIP Insurance

1. Seek medical attention and keep documentation. Test results, office visits, medical bills, and any doctor’s reports will all be needed to help show your insurer the severity of your injuries and prove that the amount you are requesting for your claim is accurate.
2. Contact your insurer to file the claim. In doing so, it is best to not make any statements about how you feel. Only stick to the facts – what injuries you have sustained, how much your lost wages equal, how much you’ve spent for childcare, etc.
3. Cooperate with the insurance adjuster. Your insurance company will assign an adjuster to look into the case and verify the information. By responding promptly and providing them with all the information they request, the process can move smoothly.
4. Review your settlement offer. Once the adjuster has finished their assessment, you should receive a settlement offer, if your claim was accepted. It can be useful to have an experienced bodily injury lawyer look over the settlement, too, so you can be sure you’re getting what you are entitled to.

If your claim was denied, or you do not believe they have offered you an acceptable settlement, you can file an appeal to have your claim reevaluated. Worst case scenario, you can take legal action if your insurance company is not cooperating with your negotiations.

To learn more, check out WalletHub’s guide to bodily injury claims.