PIP reimburses you for medical costs and lost wagesIf you are involved in a car wreck, you may require medical care beginning with a ride in an ambulance from the scene. Emergency room care can be very costly, especially if tests are ordered to determine the full extent of your injuries. Emergency room physicians often direct patients to follow up with their primary care physician or they may refer them to a specialist, such as an orthopedist or chiropractor. Deepening on the extent of the injuries, more than one specialist may be required and ongoing treatment may be necessary. All of these doctor visits and tests mean copays and deductibles that you have to pay. Also, the time necessary to see these doctors means time out of work. Every day lost from the job can mean lost wages for everyone who isn’t lucky enough to have paid sick leave. Sometimes, car accidents can be so serious that you may exceed your paid time off from work and begin losing wages. PIP insurance is designed to help in these situations.
How do I use PIP insuranceIt is important to ensure that you have PIP coverage. When you are purchasing insurance coverage, ask your carrying to include PIP coverage. If you are unsure as to whether you are covered, contact your insurance provider. Make sure that you are properly covered before you need the coverage. If you are injured in a car wreck and need your PIP benefits:
- Contact your insurance company and open a claim
- Send copies of medical bills for reimbursement
- Comply with the insurance company’s requirement for reimbursement of lost wages