A car accident can leave you facing medical bills, missed work, and growing stress about how to manage it all.
What many drivers don’t know is that their own insurance may include coverage that helps pay medical costs right away, no matter who caused the crash. This support can make a real difference in getting the care you need without delay.
If you’ve been hurt in a motor vehicle accident, Greenberg Law Offices can guide you through your personal injury protection claim and explain how this coverage may ease your recovery.
We can also help you figure out if you are entitled to other forms of compensation. Reach out today to explore your options.
What Is Personal Injury Protection (PIP)?
Personal injury protection coverage is a type of auto insurance coverage that pays for certain auto accident-related expenses for you and your passengers, regardless of fault. Unlike liability coverage, which pays for damages you cause to others, PIP provides benefits directly to you.
This coverage typically includes medical expenses, lost wages, funeral costs, and essential services you can no longer perform due to your injuries. PIP is sometimes called “no-fault” insurance because it pays out even if you caused the accident.
Is PIP Coverage Required in Maryland?
Maryland law requires all auto insurance policies to offer PIP coverage with a minimum of $2,500 in benefits.
However, you can purchase higher coverage limits, often up to $10,000. You can also reject this coverage entirely by signing a written waiver, though most insurance professionals advise against doing so.
The relatively low cost of PIP compared to its potential benefits makes it a valuable form of protection for most drivers. Maryland drivers with PIP have basic coverage for immediate accident-related expenses.
Who and What Does PIP Cover?
PIP coverage in Maryland extends to you as the policyholder, family members living in your household, and passengers in your vehicle at the time of the accident.
The coverage pays for reasonable medical expenses, including hospital visits, surgery, rehabilitation, and necessary medical equipment.
It also compensates for lost income if your injuries prevent you from working, typically covering a percentage of your actual wages.
Additionally, PIP may cover replacement services for tasks you cannot complete while recovering, such as childcare or household maintenance. These benefits apply regardless of who was at fault in the collision.
When PIP Coverage Doesn’t Apply
Certain situations fall outside the scope of personal injury protection coverage in Maryland.
If you were injured while driving a vehicle not covered by your policy, PIP benefits may not be available. Injuries intentionally self-inflicted or sustained while committing a felony are also excluded.
Additionally, PIP insurance coverage in Maryland does not cover damages to your vehicle or property—only personal injuries and related expenses. Some policies include exclusions for injuries sustained while operating a motorcycle or using your vehicle for commercial purposes.
Get Help With Your PIP Claim: Contact Our Attorneys to Learn More
Filing a personal injury protection claim can feel overwhelming, especially when insurance companies try to deny your claim or limit your benefits.
You don’t have to face this on your own. The personal injury lawyers at Greenberg Law Offices can guide you through each step and pursue the fair compensation you deserve.
Contact us online today to schedule a free consultation.
