What You Should Know About Personal Injury Protection (PIP) Coverage

If you are injured in an auto accident, you may need Personal Injury Protection (PIP) insurance to properly cover for your damages. PIP coverage is mandatory in no fault states, but optional in some of the other states, including Iowa. Some people think that they do not need PIP coverage if they already have auto insurance. In some cases, this may hold true, but your auto insurance coverage has limits and deductibles. If you have an auto insurance policy with PIP, you can get better coverage for your injuries after a vehicle accident.

What does PIP Insurance Cover?

Personal Injury Protection coverage pays for your medical bills for injuries that you sustained in a car accident. The best part about PIP is that your insurance provider must pay no matter which party was at fault at the time of the accident, which is why it is also known as no-fault insurance. Since proving fault or going to courts is out of the equation, payments are generally issued faster. It also differs from liability insurance, as it does not cover any type of expenses of the other driver.

PIP covers a variety of medical expenses, including those for operations, professional care, hospitalization, and rehabilitations. Depending on your insurance provider and state regulations, you may receive some additional benefits as well, including:

  • Lost wages and income from other economic sources due to your injury
  • Funeral expenses
  • Substitute or replacement services for routinely activities, including preparing meals, bathing, childcare and household cleaning
  • Accidental death benefits
  • Additional coverage from injuries in case of accident with a school bus or public bus
  • Injuries sustained as a pedestrian

However, it is important to note that PIP does not provide coverage for non-economic damages, such as pain and suffering. Moreover, if you were driving under the influence of alcohol or drugs or purposely caused the accident, you may receive reduced, or in some case no PIP benefits.

Making a PIP Benefits Claim

If you want to make a claim for receiving PIP benefits, it is important to know that the policy terms of your insurance coverage and state law play a critical role. You need to review the provisions of your insurance policy to evaluate what conditions must be met to apply for PIP benefits. Moreover, you can also contact your insurance provider to understand these requirements.

When you are injured in an accident, you must contact your insurance provider and request copies of PIP related forms. Some of them will be filled by your employer and healthcare provider. If you find it difficult to cope with these requirements, it is advisable to get legal assistance of an experienced auto accident attorney. They will walk you through the process and prevent you from making any potential mistakes.

If you want more information regarding the availability or limits of PIP insurance in Iowa, contact Tom Riley Law Firm today to schedule an appointment and discuss your legal options. We have offices in Iowa City or Cedar Rapids and also serve clients in the cities of North Liberty, West Liberty, Marion, Robins, and Mt. Vernon.