Personal Injury Protection coverage, also known as PIP, is a type of insurance designed to provide injured motorists with some degree of compensation to help them deal with medical bills and lost wages after an accident, regardless of who caused the accident. Please continue reading and reach out to a seasoned New York City personal injury lawyer from the Law Office of Richard M. Kenny to learn more about PIP coverage in NYS and how our legal team can help if you’ve been injured in an auto accident. Here are some of the questions you may have:
Is PIP Coverage Mandatory in New York State?
In New York State, Personal Injury Protection (PIP) is a required element of all auto insurance policies. PIP, commonly referred to as “no-fault” coverage, ensures that individuals involved in auto accidents receive medical treatment, regardless of fault. Specifically, it covers medical expenses and a portion of lost wages for the insured driver and passengers. Interestingly, PIP extends its benefits to pedestrians injured by the insured vehicle.
How Does PIP Differ from Traditional Medical Insurance?
But how does PIP differ from standard health insurance? Primarily, PIP coverage kicks in immediately after an accident, providing swift financial assistance. It’s a unique feature of PIP that it covers additional losses, such as lost earnings and incidental costs related to injuries. Notably, PIP coverage in New York State is limited to $50,000. However, this cap can be higher depending on the specific policy terms.
What Steps Should You Take After an Accident?
What should you do if you’re involved in an accident? Firstly, seek medical attention, even if injuries seem minor. Next, notify your insurance company about the accident promptly; this is crucial for PIP claims. Documentation is key; ensure you have records of all medical treatments and related expenses. Be mindful that in New York State, PIP claims must be filed within 30 days of the accident. Consulting with a knowledgeable personal injury lawyer can also provide clarity and assistance in navigating the intricacies of PIP coverage.
To summarize, PIP coverage in New York State offers essential benefits for drivers, passengers, and pedestrians involved in auto accidents. It’s a mandatory, immediate, and comprehensive coverage that differs significantly from traditional health insurance. After an accident, prompt action and thorough documentation are vital for a successful PIP claim. Remember, understanding your PIP coverage and rights is crucial, and a personal injury attorney can be an invaluable resource in this regard.
CONTACT OUR EXPERIENCED NEW YORK CITY FIRM
Our entire legal team is dedicated to providing the advice you need and the personalized attention you deserve. If you have been injured due to another party’s negligence, call 866-886-0892 or fill out our contact form to schedule a free consultation with a New York City personal injury lawyer. You may be entitled to financial compensation, which can help you on your road to recovery.
