New York drivers have the benefit of being one of the few states that is both a no-fault insurance state and one that requires Personal Injury Protection (PIP). This means that every driver is required by law to carry PIP with a minimum of $50,000 in coverage on their auto insurance policy. Due to this, drivers throughout New York State are some of the most protected in the entire country.
Personal Injury Protection Medical Benefits
Many people, however, are unaware of the benefits Personal Injury Protection affords them in case they are one day involved in a car accident. PIP helps accident victims pay their medical bills, financial losses, and even funeral expenses regardless of who is at fault for the accident. Below are just a few benefits PIP offers car accident victims:
- Emergency room visit
- Follow-up doctor appointments
- Physical therapy
- Medical devices
- Ambulance trips
- MRIs, X-rays, CT scans
- Chiropractic treatment
Additional PIP Benefits
Oftentimes, a car accident can leave victims unable to work for weeks or even months following their crash. Personal Injury Protection benefits in New York will cover 80% of your monthly salary, or up to $2,000. These benefits can last for up to three years after the accident took place.
New York’s PIP benefits also offer up to $25 per day to “reimburse other reasonable and necessary expenses” after a car accident. This daily stipend can be used for expenses such as transportation, household assistance, or even grocery delivery.
PIP also includes a $2,000 death benefit that will help pay for the funeral expenses of anyone killed in a car accident. Additional financial benefits are available for anyone who would like additional coverage.
The Cost of PIP Benefits
Personal Injury Protection benefits do not come with a uniform price and are based on a number of factors. The following is a list of factors PIP pricing is based on:
- Driving record
- Your location
- Type of vehicle
- Relationship status
Different people at different stages of life should expect to receive different quotes for the same amount of PIP benefits. Just as no two people are alike neither are insurance policies.
Personal Injury Protection Qualifications
There are a number of instances where PIP benefits can be denied. If someone was driving while intoxicated during the crash then they will almost certainly be denied PIP benefits. Other situations of when PIP benefits can be denied if a driver intentionally harms themselves, if the accident is on a motorcycle or an ATV, the crash was caused while a crime was being committed, the vehicle involved in the crash was stolen, or if the vehicle was not insured at the time of the accident.
The aftermath of a car accident can be a complicated and stressful time. Personal Injury Protection benefits can help soften the financial blow of a car accident but oftentimes they may not be enough. If you’ve been hurt in a car accident that was the fault of another person, you are likely entitled to compensation according to New York State law. The best way to ensure your personal injury case is viable is to hire an experienced lawyer who will represent your best interests.
The Montana Advocates at Driggs, Bills and Day is one of Montana’s most trusted personal injury law firms and has been helping Montanans recover from their personal injuries since 2012. Anthony Johnson is a Content Manager with the Montana Advocates.