Personal injury protection (PIP) insurance, and when to use it
If you have been involved in a car accident, you may have the option to file a claim using your Personal Injury Protection or PIP insurance. In almost every case, this is a good choice. PIP coverage is a type of insurance called no-fault insurance. This means that you can file a PIP claim regardless of whether or not the accident in question was your fault. PIP insurance provides coverage for medical expenses and lost wages incurred by you and any passengers in your vehicle. PIP coverage is especially useful insofar as it does not affect any other claims you might file. For example, if you are hurt in an accident and your health insurance covers your medical bills and you receive more compensation from a personal injury lawsuit, you can still file a PIP claim.
In many cases, victims are reluctant to file a PIP claim because they are concerned that their insurance rates will increase or that their insurance company will stop providing coverage for them. But it is actually illegal for insurance companies to increase rates or suspend coverage due to a PIP claim since PIP insurance is no-fault. So the bottom line is that, if you have been hurt in a car accident and you have PIP insurance, you absolutely should file a claim with it. If you wish to file a personal injury lawsuit to receive further compensation or you simply want to know what other legal options are available to you, I strongly recommend discussing your situation with a personal injury attorney.
Posted by:
Personal Injury Attorney Michael Grossman
| Posted on:
4/30/2010
| Comments (0)
As a Texas attorney practicing for 20 years, I have litigated all manner of personal injury cases. I use this blog as a place to write opinion / editorial articles on a variety of topics that catch my interest and as a means of sharing news stories relevant to personal injury accidents. I think the overwhelming majority of people are unaware just how common these types of accidents are and I hope this blog raises awareness to rather serious public safety concerns. However, this blog is simply a means for me to share my opinions and I would recommend that anyone who is considering seeking legal counsel should contact their family attorney.
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