What is Personal Injury Protection and how does it apply to a Maryland auto accident?
Here are some rules that you need to know about Personal Injury Protection, also known as PIP:
- If you have PIP on your Insurance Policy, it pays medical bills & lost wages for you, even if you were at fault in the accident;
- Your insurance company cannot raise your rates if you use your PIP insurance;
- You need to file a claim within one year of the accident to receive benefits, so call the insurance company for the car you were in as soon as you can after the accident;
- Never waive or give up your PIP coverage. If you have auto insurance, you have to have PIP for your passengers, so you should have insurance for yourself also.