What is Personal Injury Protection?

Almost any Baltimore personal injury lawyer will tell you that PIP benefits What is Personal Injury Protection? - Attorney Blog Baltimore MD - Criminal Defense, Personal Injury Lawyer - Eric T. Kirk - personal_injuryare 'no-fault', 'first-party' insurance benefits. 'No-fault' means that you get if injured in an automobile accident, them no matter what the blame for the accident is. [Now, you can't collect if you intentionally caused the accident, or if you were committing a felony that led to the accident.] 'First-party' means that it is your insurance.

  • The minimum coverage is $2500 and your insurer has to offer it to you
  • You must decline it in writing if that is your choice 
  • You can buy more coverage
  • The coverage pays your reasonable and necessary medical expenses, up to the limit, and/or
  • The coverage pays 85% of your lost wages, up to the limit

Most insurers tend not to challenge the wage loss benefits, but frequently refuse to pay, or reduce, the medical charges of some medical providers.

I extend a case review, claim evaluation and legal opinion on a no-cost basis to my clients. Contact me today to arrange a meeting. 410 591 2835.  


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