Personal Injury Protection (PIP) Coverage in New York
An automobile accident can lead to medical bills, lost wages and other expenses that can affect an individual’s bank account. Personal injury protection, also known as PIP insurance can help cover these associated costs. Personal Injury Protection (PIP) coverage in New York is part of “No Fault” coverage and is designed to be paid without regard to "fault". Under this coverage, the insurance company pays PIP benefits to the driver, any passengers and any pedestrians injured as the result of an automobile accident.
How personal injury protection works
Personal Injury Protection is a “no-fault” coverage, so that irrespective of which driver was at fault, some of the medical expenses for the policyholder and others in the policyholder’s car may be covered by the insurance company.
What expenses does PIP coverage pay for and to what extent?
The exact amount of coverage an individual receives depends on the insurance policy they have selected. PIP insurance usually covers medical expenses, lost wages, and funeral expenses. Other services may also be covered if accident-related injuries prevent the insured from performing household duties.
Personal Injury Protection is required coverage in New York. It provides benefits for a set amount of money including:
- Coverage for medical bills (up to $50,000)
- Increased household expenses ($25/day for 3 years following the accident)
- 80% of lost wages up to a maximum of $2,000/month for 3 years
- $2,000 death benefit in addition to the basic $50,000 PIP benefit
There are a few circumstances in which a Personal Injury Protection claim can be denied to a person:
- Driving under the influence of alcohol or drugs
- Committing a felony at the time of the crash, crashed the car on purpose or driving a stolen vehicle
What are the benefits of having personal injury protection coverage?
One of the most frustrating parts of an accident can be the amount of time it takes for insurance companies to determine blame, make payments and if necessary, file a lawsuit. With PIP coverage, there is no need to assess the blame. If the accident is covered, medical and lost income payments are made at the quickly.
How is it different from medical payment coverage?
Personal Injury Protection insurance and medical payment coverage are similar but with an important distinction: unlike PIP, medical payment coverage does not usually cover other expenses such as lost wages, rehabilitation services, funeral costs and other services, such as childcare.
Contact Our PIP Personal Injury Attorney in NY
Even though, all automobile insurance policies in the State of New York are bound to provide PIP coverage, many people are unaware of its existence in their automobile insurance policies. At the law offices of Marvin A. Cooper, P.C. we make sure that our clients are properly compensated and covered and aware of PIP coverage available through their applicable automobile insurance policies. If you or your loved one has suffered an unfortunate auto accident and would like to claim PIP coverage, call us today at 914-357-8911. We provide personal injury services throughout NY including Westchester, White Plains and the Bronx.