Personal Injury Protection

Scranton, Pennsylvania Personal Injury Protection

Personal Injury Protection (PIP) under your auto insurance provides medical coverage for drivers regardless of where fault lies.Therefore, regardless of who caused the collision, an injured individual will receive benefits under his PIP policy for treatment of his injuries.  While this appears straightforward, understanding how to file a claim can be difficult.

For many years, Caputo and Mariotti have represented clients who have sustained personal injury from almost every imaginable type of vehicle.  We’re here to serve those who are in need of legal help.

You may continue reading below about personal injury protection, but if you or a loved one has suffered serious physical injury as a result of a motor vehicle accident, contact us today for a FREE CONSULTATION by phone at 570-342-9999 or use our contact form.  Our passion is to see justice served for all of our clients.  During our consultation, we will gladly show you how we can protect your rights and help you get the compensation you deserve.

Pennsylvania PIP Law

The State of Pennsylvania, by statute, requires all drivers have a minimum of $10,000 in PIP coverage in addition to $10,000 of property damage liability coverage.  The property damage requirement can also be met by having an insurance policy that provides at least $30,000 in coverage for combined bodily injury liability and property damage liability for any single motor vehicle accident.

If a driver is involved in a crash and does not have the minimum PIP coverage, he or she may be held responsible for the first $10,000 of his or her own medical bills before any compensation can be received from the at-fault driver’s insurance.

PIP Coverage

A PIP policy generally covers:

  • All persons named on the policy
  • Any relatives living in the same household as the insured individual
  • Passengers in the motor vehicle
  • Anyone struck by the vehicle who suffers bodily injury

PIP laws do not apply to motorcycles, as they are not considered “motor vehicles” by Pennsylvania State Law.  However, a person injured while riding a motorcycle may still receive PIP benefits if someone who lives in his or her household has PIP coverage that does not exclude motorcycles.

If you don’t currently have PIP coverage, you may be able to receive coverage by meeting both of the following criteria:

  • You did not own an operating vehicle at the time of the accident,  AND
  • No one in your household has PIP coverage.

If you meet these two criteria, you can apply for PIP insurance with:

  • The owner of the vehicle you were driving or riding in at the time of the crash, OR
  • The owner of the other vehicle or driver

If you don’t meet any of the above criteria, you can always try to obtain PIP insurance through another involved party’s insurance carrier.

PIP Benefits

PIP pays for 80% of all reasonable medical expenses, including:

  • Medical treatment
  • Surgical procedures
  • Hospital stays
  • Transport in an ambulance
  • X-rays
  • Other diagnostic imaging
  • Dental treatment
  • Rehabilitative treatment
  • Prosthetics
  • Nursing Services

PIP may also cover:

  • Lost wages up to $10,000
  • Transportation costs for medical treatment
  • Medical insurance premiums if the premium is part of the injured individual’s gross income from employment

Lawsuits – When PIP Just Isn’t Enough

An injured individual can recover his medical expenses or lost wage from an at-fault driver’s insurance company if they were not covered by his PIP or they exceeded his policy’s limits.  An injured person may recover damages for pain, suffering, mental anguish and inconvenience according to the follow definitions:

  • Loss of important bodily functions
  • Scarring or disfigurement
  • Death

Filing a legal claim for serious injuries that are outside the coverage of insurance requires the experience of a skilled attorney.  The legal requirements can be complex, and insurance companies are quick to deny claims.

Contact Our Pennsylvania PIP / Car Accident Lawyers Today

If you or a loved has suffered serious injuries resulting from a car accident, you can legally seek compensation.  To get the most favorable legal outcome that you deserve, contact Caputo and Mariotti immediately.

Call us at 570-342-9999, or use our contact form to contact us right now. Let our staff help you get the just compensation you deserve!

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