PIP insurance helps fill in the coverage gaps for you and your passengers from medical costs your health insurance company won't cover. PIP insurance is similar to medical payments coverage (MedPay) but has some key differences. First, PIP gives you better coverage with higher limits.
If you and your family members don't have health insurance or have a plan that doesn't offer all the benefits of PIP, it might be in your best interest to get as much PIP coverage as you can comfortably afford. Consider the financial impact of an injury-causing car accident when deciding your PIP limits.
We suggest that anyone buying an auto policy should try to secure $10,000 of PIP coverage. This way you know you will at least have the first $10,000 of your medical bills (and possibly lost wages) covered with no questions asked.
Unfortunately, insurance companies will sometimes initially deny an injury claim and state that they are not responsible for a victim's loss. This happens not just in an injury case but property loss cases as well.
Submit your claim within 30 days after the incident, or as soon as reasonably possible. Submit your claim online. Please submit your claims through our online portal instead of in-person at our service centers. Mail us your original documents. We'll be in touch.
Submit your claim within 30 days after the incident, or as soon as reasonably possible. Submit your claim online. Please submit your claims through our online portal instead of in-person at our service centers. Mail us your original documents. We'll be in touch.
Always File a Claim, Regardless of Who Was At-Fault One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.
Accident insurance provides benefits if you suffer a covered accidental injury like a severe burn, broken bone, or have to visit an emergency room. It will also cover the diagnostic testing needed to determine if your bone is broken — like for an x-ray.
A reasonable settlement offer is one that includes medical expenses, lost wages, pain and suffering, and property damage. While it varies from case to case, an experienced personal injury lawyers can help you find a reasonable amount for your case.