The Must Have Coverage You Probably Waived in Your Insurance Policy
It is a law to have auto insurance if you live in Maryland and you own a car. You already know that. However, there’s a little something you probably don’t know about that insurance policy. When you purchased it, you had the option of including Personal Injury Protection, also known as P.I.P.
Your Maryland car accident lawyer has some life-changing advice for you regarding your decision: KEEP YOUR P.I.P. COVERAGE. And if you don’t have it? Get it now.
What does Personal Injury Protection Do?
Personal Injury Protection will cover medical and disability for both you and your passengers, regardless who is at fault for an accident. Even if you have health/medical insurance, your P.I.P coverage would be used to coverage your medical-related expenses first, then your health/medical insurance would kick in to cover any other remaining bills. The coverage includes surgery, hospitalization, physical therapy/rehabilitation, and in some cases, in the event of a death, funeral expenses may be covered as well.
Perhaps one of the most important benefits of P.I.P. coverage comes in the form of lost wage reimbursement. If you are injured in a car accident and unable to work, your P.I.P. coverage will reimburse you for lost wages (depending on your coverage limits). Even better, the cost for all these benefits is probably significantly less than what you think!
How Much Does Personal Injury Protection Cost?
The amount you pay each month for your Personal Injury Protection depends on the amount of coverage you choose, plus other factors determine your cost as well, including any risk factors, driving history and age. However, the cost is meager, and your Maryland Personal Injury Lawyer says that makes getting P.I.P well worth it. Some drivers are admittedly shocked to discover how inexpensive this coverage is.
Insurance Companies in the state of Maryland are required to offer a minimum of $2,500 for P.I.P coverage. That could cost as little as $12-15 per month! However, consider increasing that $2,500 to $10,000 in P.I.P coverage, and you might be paying only slightly more [a month for exceptional Personal Injury Protection Coverage!
Do I need P.I.P.?
Your Maryland car accident lawyer says YES! Everyone in the state of Maryland does, in fact, need Personal Injury Protection. This amazing optional coverage to your auto insurance policy should NEVER be waived, because a standard auto insurance policy is rarely enough to cover all the expenses associated with an accident, no matter who is at fault.
Like most other drivers in the state of Maryland, you probably have what your insurance company calls “full coverage.” However, full coverage does not mean ADEQUATE coverage, and the worst way to learn this fact is after an accident has already occurred. Don’t let this happen to you!
Car Accident Lawyer in Maryland
It doesn’t matter who your insurance carrier is or when your policy ends. You can add Personal Injury Protection to your insurance policy anytime. Please don’t delay. Make the quick call to your insurance company today to make this all-important change to your insurance policy. You can get exceptional coverage for very little and it is a decision you won’t regret. It’s up to YOU to make sure you have adequate coverage, and too many Maryland residents learn the hard way: insurance companies are NOT your friend, and when you get in an accident, their goal is to pay out as little as possible, regardless of who is at fault.
If you get in an accident, call your dedicated Maryland Car Accident Lawyer at (301) 605-4296. We communicate with the insurance company on your behalf so you can focus on getting better. Getting you a fair settlement for your injuries is our job, and we take pride in helping you in every way we can.