Many auto policies often include a form of medical and wage coverage called personal injury protection coverage, or PIP. This coverage is available to the insured driver and any passengers in the insured’s vehicle for injuries sustained, regardless of who is at fault for the accident. PIP coverage pays 100% of the medical expenses, up to the limits of the PIP coverage. Typically, these coverages vary from $2,500 up to $10,000. PIP benefits do not have to be repaid if the adverse driver’s insurance pays damages. MedPay benefits pay for medical expenses and are subject to “subrogation” unless liability and UIM coverage are both exhausted.
If you're injured in an accident caused by another driver's negligence, he or she doesn't need to pay your medical bills until your claim is resolved. You can use PIP and MedPay to pay for your immediate needs. Contact your insurance agent to learn more about your coverage.
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To speak with an experienced personal injury attorney about your right to compensation, contact Steffens Law today. We offer free, no-obligation initial consultations to help you better understand your options.