PIP, or personal injury protection, is insurance coverage commonly associated with auto insurance that provides additional coverage (other than car damage) in the event of a car accident. PIP can include coverage for medical expenses, lost wages, child-care expenses, rehabilitation costs and funeral costs. One benefit of having personal injury protection as part of your insurance policy is that it is a “no-fault” coverage, meaning it’s applicable regardless of which party is at fault for the accident. Additionally, it provides coverage for any passengers in the vehicle at the time of the accident.
Like most insurance coverage, PIP varies from state to state. Depending on the state, PIP can be either a mandatory coverage or an optional coverage for drivers to purchase as an extension of their car insurance policy. As a Maryland personal injury lawyer might explain, the State of Maryland is one of 15 states that mandate personal injury protection coverage. However, unlike other states that mandate PIP, Maryland allows policy holders to waive PIP coverage during the initial policy purchase if they so choose.
There are many benefits to adding PIP to your insurance policy in Maryland. For example, Maryland residents may utilize their PIP even if the accident occurred outside of the state of Maryland. Additionally, it provides coverage for any passengers in the vehicle at the time of the accident. Maryland PIP could also be used by pedestrians who were struck by a vehicle.
Insurers in Maryland can buy PIP coverage at $2,500, $5,000 or $10,000 increments, with $10,000 being the maximum amount of coverage offered. Maryland PIP will only cover up to the amount you have purchased. Those who opt to purchase personal injury protection in Maryland can choose between full or limited PIP. Full PIP provides coverage for you, your family, and anyone in your vehicle, while limited PIP only provides coverage for members of your family under the age of 16.
Having PIP may not automatically guarantee medical and wage coverage following a car accident as insurers must first submit any bills, records and/or employer letters to the PIP providing insurance companies for review. In Maryland, only 85% of total lost wages is covered under personal injury protection. Maryland PIP does not cover any expenses accrued for transportation (i.e. rental car), property damage, or pain and suffering.
If you have been injured in a car accident in Maryland give us a call today at 202-955-4529 to speak to a legal representative regarding your potential personal injury case!