What is Personal Injury Protection – Part 2 of a 3 part PIP Series
What is Personal Injury Protection?
Personal Injury Protection benefits will pay 80 % of medical bills that are reasonable and necessary and/or 60 % of lost income up to $ 10,000 as a result of an accident involving a motor vehicle. Remember, you don’t actually have to be driving or even in a vehicle to be eligible for Personal Injury Protection benefits. If a motor vehicle strikes you while you are walking down the street, you may be eligible for compensation.
What are the Personal Injury Limits?
The limits are that PIP benefits will not pay for pain and suffering after being run over by a vehicle. Or better yet, PIP benefits will not compensate you for being unable to get back to your job as a contractor and feed your family because the doctor puts a restriction on the amount you are able to lift without breaking your back. However, the biggest limit to Personal Injury Protection benefits is simply that the insurance company,your insurance company, can cut your limits way before you are actually able to receive $ 10,000 in treatment for your injury.
You may ask yourself how and why they would do that. Remember, the company is a business and a business is out to make profits, not losses. They are able to cut your medical benefits by simply stating that the injuries you sustained don’t require any further medical treatment because it wouldn’t be reasonable and necessary based on some expert living nowhere near you nor ever seeing you.
So why is it important to know about Personal Injury Protection? There are significant changes that are re-shaping the way PIP is handled – check out this blog post to see how the new PIP law works.
If you have any questions, please feel free to contact The Law Offices of Lucas | Magazine and ask for Attorney Martin Macyszyn. (727) 849-5353