If you’ve been involved in a car accident in New York, you may have heard about personal injury protection (PIP) insurance. But how does PIP insurance work exactly? This guide will explain what it is, how it works, what it covers, and how to file a PIP claim.
Field Law Group is here to help if you need legal assistance after an accident. With our expertise in personal injury cases, we can guide you through the process and fight for the compensation you deserve. Contact us for a FREE consultation today!
What Is Personal Injury Protection Insurance?
Personal injury protection insurance is a mandatory component of the no-fault auto insurance system in New York. Unlike traditional fault-based systems, where you would seek compensation from the at-fault party’s insurance, PIP allows you to recover damages from your own insurance company, regardless of who caused the accident.
PIP coverage is designed to promptly reimburse medical expenses and economic losses, ensuring you receive the necessary care and support after an accident.
How Does PIP Insurance Work?
In New York, all auto insurance policies are required to include PIP coverage. When you’re involved in a car accident, you’ll first turn to your own insurance company to file a PIP claim. This means that regardless of who’s at fault for the accident, you’ll seek compensation from your insurance provider.
When and How to File a PIP Claim in New York
1. Notify the appropriate parties
Contact your insurance company and law enforcement immediately after an accident. It’s always recommended to involve the police to document the accident accurately.
2. Report the accident to the New York Department of Motor Vehicles
If the damage caused by the accident exceeds $1,000 or there were injuries or fatalities, you must report the incident to the New York Department of Motor Vehicles within ten days.
3. File a claim with your insurance company
Report the accident to your insurance company as soon as possible. Most insurance providers have a deadline of 30 days for filing a claim. Provide specific and factual details about the accident, including the date, time, and circumstances.
4. Complete and return the Application for Benefits
Within five business days of receiving your notice of claim, your insurance company will send you an Application for Benefits and a letter explaining your rights and responsibilities.
5. Continue receiving necessary medical care
Seek medical attention promptly after the accident and adhere to your doctor’s treatment plan. Inform your medical provider that your injuries were sustained in a car accident in New York. Benefits are paid according to specific fee schedules; healthcare providers must accept these payments.
6. Receive payment within 30 days
Your insurance company is required to make payment within 30 days of receiving a claim from a healthcare provider. They must also provide support evidence of medical necessity. Failure to make timely payments can result in interest charges on the outstanding balance.
If your PIP claim is denied, you have options for recourse. You can submit a complaint to the New York Department of Financial Services or pursue arbitration or a lawsuit to seek the compensation you’re entitled to.
What Is Personal Injury Protection Insurance?
Personal injury protection insurance is a mandatory component of the no-fault auto insurance system in New York. Unlike traditional fault-based systems, where you would seek compensation from the at-fault party’s insurance, PIP allows you to recover damages from your own insurance company, regardless of who caused the accident.
PIP coverage is designed to promptly reimburse medical expenses and economic losses, ensuring you receive the necessary care and support after an accident.
How Does PIP Insurance Work?
In New York, all auto insurance policies are required to include PIP coverage. When you’re involved in a car accident, you’ll first turn to your own insurance company to file a PIP claim. This means that regardless of who’s at fault for the accident, you’ll seek compensation from your insurance provider.
When and How to File a PIP Claim in New York
1. Notify the appropriate parties
Contact your insurance company and law enforcement immediately after an accident. It’s always recommended to involve the police to document the accident accurately.
2. Report the accident to the New York Department of Motor Vehicles
If the damage caused by the accident exceeds $1,000 or there were injuries or fatalities, you must report the incident to the New York Department of Motor Vehicles within ten days.
3. File a claim with your insurance company
Report the accident to your insurance company as soon as possible. Most insurance providers have a deadline of 30 days for filing a claim. Provide specific and factual details about the accident, including the date, time, and circumstances.
4. Complete and return the Application for Benefits
Within five business days of receiving your notice of claim, your insurance company will send you an Application for Benefits and a letter explaining your rights and responsibilities.
5. Continue receiving necessary medical care
Seek medical attention promptly after the accident and adhere to your doctor’s treatment plan. Inform your medical provider that your injuries were sustained in a car accident in New York. Benefits are paid according to specific fee schedules; healthcare providers must accept these payments.
6. Receive payment within 30 days
Your insurance company is required to make payment within 30 days of receiving a claim from a healthcare provider. They must also provide support evidence of medical necessity. Failure to make timely payments can result in interest charges on the outstanding balance.
If your PIP claim is denied, you have options for recourse. You can submit a complaint to the New York Department of Financial Services or pursue arbitration or a lawsuit to seek the compensation you’re entitled to.
How Much Does New York PIP Cost?
It mainly depends on your driving history and location. However, New York doesn’t provide many options to reduce no-fault insurance costs. You can select a higher deductible, such as $200, which may slightly lower your premiums. Coordinating PIP coverage with your health insurance isn’t an option in New York like in other states.
How Much Does New York PIP Cost?
It mainly depends on your driving history and location. However, New York doesn’t provide many options to reduce no-fault insurance costs. You can select a higher deductible, such as $200, which may slightly lower your premiums. Coordinating PIP coverage with your health insurance isn’t an option in New York like in other states.
What Does Personal Injury Protection Cover?
Medical Costs
PIP insurance covers medical services, including hospital expenses, surgery, diagnoses tests like X-rays, and ambulatory services. It also includes dental services and treatment by a recognized religion.
Economic Losses
If you’re unable to work due to your injuries, PIP insurance will also provide coverage for lost wages. The coverage generally includes up to 80% of your monthly earnings or a maximum of $2,000 per month, whichever is less. This benefit is available for up to three years after the accident.
Death Benefits
In the unfortunate event of a fatal car accident, PIP insurance provides a death benefit of $2,000, payable to the estate of the deceased. This benefit helps alleviate the financial burden associated with funeral and burial costs.
Is PIP Insurance Coverage Limited?
In New York, car owners must have at least $50,000 per person in PIP coverage. While PIP insurance reimburses drivers and passengers for their losses and injuries, it doesn’t cover non-economic damages such as pain and suffering. Additionally, PIP benefits may be reduced if you receive help from other sources, such as workers’ compensation or Social Security Disability payments.
What Does Personal Injury Protection Cover?
Medical Costs
PIP insurance covers medical services, including hospital expenses, surgery, diagnoses tests like X-rays, and ambulatory services. It also includes dental services and treatment by a recognized religion.
Economic Losses
If you’re unable to work due to your injuries, PIP insurance will also provide coverage for lost wages. The coverage generally includes up to 80% of your monthly earnings or a maximum of $2,000 per month, whichever is less. This benefit is available for up to three years after the accident.
Death Benefits
In the unfortunate event of a fatal car accident, PIP insurance provides a death benefit of $2,000, payable to the estate of the deceased. This benefit helps alleviate the financial burden associated with funeral and burial costs.
Is PIP Insurance Coverage Limited?
In New York, car owners must have at least $50,000 per person in PIP coverage. While PIP insurance reimburses drivers and passengers for their losses and injuries, it doesn’t cover non-economic damages such as pain and suffering. Additionally, PIP benefits may be reduced if you receive help from other sources, such as workers’ compensation or Social Security Disability payments.
In An Accident? Field Law Group Can Help!
Experiencing a car accident can be overwhelming, but you don’t have to face the aftermath alone. Our experienced personal injury attorneys can help ensure you receive the full benefits of your PIP coverage.
Call 212-739-7278 or contact Field Law Group today for a FREE consultation.
In An Accident? Field Law Group Can Help!
Experiencing a car accident can be overwhelming, but you don’t have to face the aftermath alone. Our experienced personal injury attorneys can help ensure you receive the full benefits of your PIP coverage.
Call 212-739-7278 or contact Field Law Group today for a FREE consultation.
Field Law Group, P.C.
17 State Street, 40th Floor
New York, New York 10004
This website contains attorney advertising. Prior results do not guarantee a similar outcome, see Disclaimer.
Designed by PostcardMania
Field Law Group, P.C.
17 State Street, 40th Floor
New York, New York 10004
This website contains attorney advertising. Prior results do not guarantee a similar outcome, see Disclaimer.
Designed by PostcardMania
Field Law Group, P.C.
17 State Street, 40th Floor
New York, New York 10004
This website contains attorney advertising. Prior results do not guarantee a similar outcome, see Disclaimer.
Designed by PostcardMania