What does PIP cover ?

Submitted by Anonymous (not verified) on Thu, 08/23/2007 - 06:40

A guy on his wild ride had hit my car on the highway and fled. My wife, who was driving my car, was severely injured and is in a state of shock. Her medical bills are enormous. I have PIP on my auto insurance. Will it cover my wife's medical bills too?


Posted: 23 Aug 2007 07:17 Post Subject: What does PIP cover ?

I empathize with your situation. It is very unfortunate that people often cause damages to others by their mindless acts.

Posted: 23 Aug 2007 07:40 Post Subject: What does PIP insurance cover?

Hi JMathew,

PIP covers the medical bills that you incur in an automobile accident. If you have taken out PIP on your name it will cover you as the ‘named insured' additionally it offers coverages to people living in the same household or is in relation with you. However, it normally limits the coverage level to $10,000.

Hope your wife will get well very soon my prayers are with her.


Posted: 23 Aug 2007 09:09 Post Subject: Uninsured Motorist Coverage

Yeah right, I'll second Cynthia. Some people really don't care about others. You have PIP coverage, all right but you can also claim the benefits of Uninsured Motorist Coverage (if you have one). UM Bodily injury coverage pays off your medical bills if you are a victim of a hit-and-run case or the at-fault party is uninsured. It will also cover your family members, authorized drivers of your vehicle and other passengers.

It would have been the best, if by any chance you could collect the information about that crazy driver and made the claim on his insurance (if he has any). But I presume that the chances are remote. In such scenario you can depend on your uninsured motorist bodily injury coverage just to avoid paying the huge medical expenses out-of-pocket.

Hope everything will go fine with you.


Posted: 23 Aug 2007 10:50 Post Subject: PIP insurance cover

As Juanita mentioned, PIP addresses medical bills and usually loss of work. But the type of coverage and amount of coverage differs dramatically from state to state (Michigan offers unlimited PIP that can last a life time). Of course, Fatman is correct also with UMBI. You _really_ need to report the accident to your insurance company if you've not done so already. With your wife's medical bills being so high, it seems that this did not just happen today. IN addition to addressing medical bills and loss wages, uninsured motorist bodily injury can also address general damages (pain and suffering, etc). Not all state allow for UMBI and not all policies have it.

Posted: 28 Aug 2007 05:43 Post Subject: What does PIP insurance cover?


Excellent info from Fatman, TCope and Juanita. I knew I liked this place.

A bit more. PIP normally provides a package of coverages, and typically includes some other protections. The coverage will normally apply for one year from the date of loss, and it'll usually pay for, in addition to injury:

Wage loss to a specific dollar maximum.
Loss of services to a specific limit per day/week/month
Funeral services if necessary to a certain maximum.

All of these limits are set by statute and rule in every state that has PIP available. Check your policy's declaration page for your limits, and then look for the expanded portion that explains what they mean withinin the policy itself. Don't worry, you should be able to understand the language.

Good luck, and I hope things work out well for you.

InsTeacher 8)

Posted: 04 Jun 2008 11:31 Post Subject: What does PIP cover ?

Paul I moved your post/question here


(new thread)

Posted: 03 Aug 2009 04:24 Post Subject: injured at a drive thru banking teller

i was paying my car payment at a drive thru bank teller. my hand was injured as a result of this. the bank denies any fault. am i covered under my car insurance since i was in my car at the time of the accident

Posted: 24 Apr 2013 07:54 Post Subject: dennis0623

Yes depending on the state you are in, but in general you are covered within a certain distance of the car. Getting out of the car slam finger in the door....medical is covered. Depending on what happened at the bank, the bank could be still liable and the insurance company would subragate if the claim was big enough to warrent costs.

Posted: 26 Apr 2013 01:13 Post Subject:

I'm sure the reply.... 4 years later will help the OP.

Add new comment

Restricted HTML

  • Allowed HTML tags: <a href hreflang> <em> <strong> <cite> <blockquote cite> <code> <ul type> <ol start type> <li> <dl> <dt> <dd> <h2 id> <h3 id> <h4 id> <h5 id> <h6 id>
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.