What You Should Know About PIP Coverage in Maryland

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PIP coverage is an important part of auto insurance coverage. To learn more, continue reading and reach out to our firm today to speak with a Prince George’s County auto accident lawyer.

What is PIP coverage?

In Maryland, all drivers have the ability to purchase personal injury protection (PIP) as a part of their auto insurance policies. PIP coverage supplies quick protection of medical expenses and missed wages if you are hurt in a car accident, no matter who is to blame. Because of this, PIP is also called “no-fault coverage.”

It is critical to note that every car insurance company in Maryland must offer PIP coverage to their policyholders. While anyone has the ability to waive the coverage as part of your insurance plan, it is critical that you do not waive your PIP.

What does PIP cover?

PIP insurance supplies primary coverage, which suggests that it may need to be used before your health insurance policy would kick in. Below are some of the medical expenses that personal injury protection would cover:

  • Hospitalization fees
  • Surgery expenses
  • Therapy or rehabilitation expenses

Additionally, when it comes to medical expenses, PIP insurance provides some death and disability benefits that may not be available through a MedPay insurance policy. For instance, if you or a passenger were killed in a car accident, the PIP policy would cover funeral expenses. Or, if you were left unable to work due to injuries, the insurance could reimburse you for 85% of lost wages, up to the limits of the policy.

It is important to recognize that PIP insurance will only compensate you up to your policy’s limits, which in some cases can be lower than the total cost of your medical bills. To learn more about PIP, reach out to our skilled Prince George’s County auto accident lawyer today.

How much does PIP cost?

There is no concrete number for PIP insurance, as the total cost may vary depending on factors such as your driving history, age, and the amount of coverage. The state of Maryland does not require you to carry PIP coverage, but auto insurance companies are required to offer a minimum of $2,500 of PIP insurance.

To learn more about PIP insurance, reach out to our experienced legal team today.

Contact Our Firm

At McCarthy, Winkelman, Mester & Offutt, L.L.P., our legal team has a strong focus on litigation that seeks just and fair compensation for victims of another party’s negligence. If you need a Prince George’s County personal injury lawyer that handles cases in Maryland, Washington D.C., or Virginia, our firm has the resources and knowledge needed to take a case as far as necessary, including to the U.S. Supreme Court. If you suffered an injury or loss because of another person’s negligence, contact us today.


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