PIP as First-Party Claim
A personal injury protection claim is considered as a first-party claim. This means that you should make the PIP claim against your own insurance provider after a vehicular accident. A Law Firm in Silver Spring, Maryland can assist you in the legalities involved in the accident. But, when it comes to medical expenses, your PIP insurer is the company to go to.
PIP as No-Fault Claim
A personal injury protection claim is also a no-fault claim. This means that the insurance provider will pay the benefits no matter who is at fault for the car accident. You might want to ask a lawyer in Maryland for assistance in making a no-fault claim.
Coverage for PIP Claim
The coverage of a PIP claim includes medical expenses. In several states, it may also cover lost wages. The PIP covers the driver or policyholder, the passengers, and even pedestrians or third parties injured in the car accident.
Tip: Always check with your PIP insurer about the coverage of the PIP feature you have. This way, you will know the specifics of your current PIP coverage.
Filing the PIP Claim
Most PIP insurers set time frames as to when you can file a PIP claim. So, make sure that you do not delay the claim filing process. Inform your insurer about a car accident right away. Make sure to ask for the PIP form.
It is not necessary for you to wait until you finish getting treatment before filing. You can just send the initial bills for the initial claim. You can send any additional medical claim as a supplementary claim.