Insurance
AUTO
INSURANCE - THE EFFECTS ON A
PERSONAL INJURY CLAIM
In the Washington DC Metropolitan
area, there are different insurance laws at work that
affect a person's ability to recover First-Party
Benefits Coverage. In The State of Virginia, these
benefits are referred to as Medical Payments or Medical
Expense Benefits (Med-Pay), and in the State of Maryland
and the District of Columbia, they are referred to as
Personal injury Protection (PIP).
Several jurisdictions have different
rules regarding an injured party's right to use their
health insurance and when those benefits must be
reimbursed. At Paul Klein and Associates, P.C., we
will protect your interests and provide you the results
you deserve.
PERSONAL
INJURY PROTECTION (PIP) - MEDICAL EXPENSE BENEFITS
(MED-PAY) - AND INCOME LOSS BENEFITS (LOST WAGES)
Personal Injury Protection (PIP) is a
benefit used in the District of Columbia and Maryland
that affects the injured party's right to be compensated
regardless who is at fault in an automobile accident.
These benefits are available to qualified individuals
and used to pay medical expenses and/or lost wage
benefits.
LAWS FOR
PIP IN THE DISTRICT OF COLUMBIA AND THE LAWS
IN THE STATE OF MARYLAND ARE
DIFFERENT
The differences are explained within
each insured's policy, however it is recommended to seek
the advice from an attorney prior to making any claim.
In The State of Virginia, Medical
Expense Benefits (Med-Pay) are available to pay for
medical bills only of individuals involved in automobile
accidents in Virginia. Provided the policy is
written in the State of Virginia. This type of coverage
must be purchased from your automobile insurance
carrier. This coverage is not included with full
coverage or generally on any policy. You must
purchase if additionally. Med-Pay differs from
PIP, since Med-Pay cannot be used to pay lost wages.
In order for a Virginia policyholder to get lost wages
reimbursed, Income Loss Benefits (ILB) must be purchased
and added to the policy. These benefits are not
subject to subrogation or if available to a
policyholder, they can claim the benefits without the
need to reimburse the carrier for these payments from
any personal injury settlement.
Contact Us Today For A
Free Consultation
For further information
about a personal injury accident or tragic death
in the Maryland, Virginia, or Washington D.C.
area please contact us today for a free
consultation. To learn the answers to
frequently asked questions about Personal
Injury-Wrongful Death, Product Liability, or
Auto Accidents please go to our FAQ page.
For an in-depth discussion of a variety of
issues involving Personal Injury please visit
our Personal
Injury Practice Center.
For immediate
assistance call us at (301)
459-2223
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