Navigating the aftermath of a car crash in Maryland can be overwhelming. Your bills are piling up, and you may be missing work.
Fortunately, Personal Injury Protection (PIP) can provide immediate relief by covering medical expenses and lost wages, regardless of who caused the collision. This coverage can help you focus on healing by letting you access support through your own policy.
What falls under PIP coverage?
Your PIP insurance helps cover the immediate, practical costs after a car accident.
Perhaps the most important one is your medical expenses, which includes the following:
- Hospital visits
- Surgeries
- X-rays imaging
- Dental work
- Physical therapy
PIP may also cover 85% of your lost gross income if you are injured and cannot work. If your injury prevents you from cleaning your home or caring for your child, your benefits may cover essential services. A portion of your PIP coverage may also help with funeral expenses in the event of a fatality.
The no-fault advantage
If the accident was your fault or if Maryland’s contributory negligence rule prevents you from suing the other driver, you are still entitled to your PIP benefits. A third-party liability claim can take time to pay out, while your PIP benefits may be available much sooner.
Understanding the waiver trap
While the standard PIP amount is $2,500, many carriers offer higher limits at $5,000 or $10,000. Opting for these premiums can provide you with added protection when costs add up quickly after a car accident.
In Maryland, where PIP insurance is optional, it can be tempting to waive your coverage to save money on premiums. However, this can expose you to large, out-of-pocket expenses. A lawyer can help you review your options for paths to compensation if you are injured in a car crash.
Prioritizing your recovery
Your PIP benefits can help protect your health and livelihood while you heal from a car accident injury. By using this coverage, you can start regaining stability without waiting for a settlement or an admission of liability from another driver.