What medical costs are included under PIP coverage?
Personal Injury Protection Coverage (PIP) is insurance coverage for injuries sustained by you or other persons covered by your policy. It covers what insurance companies call “reasonable and customary” medical services for injuries you sustain in an accident, up to the limit of your PIP coverage. The standard policy provides for up to $250,000 PIP coverage and provides for underinsured and uninsured motorist coverage. Under New Jersey’s Standard policy, your PIP coverage is $250,000, although you can (but never should) opt for lesser coverage for a reduction in premium. The savings are not substantial. Under the Basic Policy, PIP coverage is $15,000, but you can (and always should) opt for more coverage for an additional premium.
PIP coverage provides benefits to cover medical expenses and sometimes lost wages and other damages. In New Jersey law, the following services are eligible for a PIP claim:
- Medical Services and Surgeries
- Hospital Expenses
- Rehabilitation Treatment
- Diagnostic Procedures
- Ambulatory Services
PIP coverage can also include lost income and other benefits
NJ PIP can also for wages that may have been lost due to injuries sustained in your accident. Additionally, if your injuries prevent you from doing daily chores, you may be eligible to receive benefits to help cover the costs of getting those tasks done through other means.
PIP can also include a death benefit
If someone is injured, as a result of car accident, and dies from their injuries, surviving dependents may also receive benefits. There are many factors to determine eligibility. It is important for the surviving dependents to seek counsel from a personal injury attorney to assess their rights.
If you’re injured in an auto accident and have questions about PIP coverage or a claim, give us a call or drop us a line. We’re here to help!