Exploring Personal Injury Protection: What You Need to Know
Personal Injury Protection (PIP) is a form of insurance that helps pay medical expenses and lost wages after an auto accident, regardless of fault. In Pennsylvania, PIP coverage is part of the state’s no-fault insurance system. It is included in every policy and is designed to ensure that injured drivers and passengers can access medical care quickly.
At Cohen, Feeley, Altemose & Rambo, we regularly work with clients who are unsure how their PIP benefits work or why their coverage ran out sooner than expected.
PIP typically covers medical bills, rehabilitation costs, prescription medications, and a portion of lost income if you are unable to work. For example, if you are injured in a rear-end collision and need physical therapy and follow-up appointments, your PIP coverage may begin paying those expenses immediately, giving you peace of mind to focus on healing rather than worrying about upfront costs.
However, PIP coverage is not unlimited. Most policies have specific dollar limits, such as $5,000, which is the state minimum. Once those limits are reached, your auto insurer will stop paying benefits. At that point, additional medical expenses and lost wages are usually pursued through health insurance or against the at-fault driver in a personal injury claim. Many accident victims are surprised to find out how quickly PIP benefits run out after just a few hospital visits.
Another important factor is the coordination of benefits. In some cases, auto insurance, health insurance, and even workers’ compensation may all play a role in paying your bills. Determining which policy pays first and how reimbursement works can be complicated without legal guidance.
Understanding your PIP coverage before and after an accident helps you make informed decisions about treatment and claims. With the right support, you can maximize your benefits and protect your financial future while focusing on recovery. Cohen, Feeley, Altemose & Rambo can answer all of your questions and help you navigate the process.