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
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.
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.
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.
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.
No-fault insurance works by requiring drivers to use their own coverage to pay for their medical expenses after a car accident, regardless of who was at fault. Most states that use the no-fault insurance system require drivers to carry personal injury protection (PIP) to pay for their medical expenses. As a result, PIP is often referred to as no-fault insurance coverage.
Key Things to Know About No-Fault Insurance
No-fault insurance covers medical expenses after...
Personal injury protection (PIP) insurance covers medical expenses, lost wages, and household expenses after a covered driver or their passengers are injured in a car accident. PIP is a versatile type of insurance because it covers both medical bills and indirect costs stemming from injuries sustained in a car accident. PIP stands for personal injury protection, and it can be used after any crash, regardless of who was at-fault.
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