Personal Injury Protection Coverage – Rejection of Coverage.
Personal Injury Protection Benefits [PIP] are first-party no-fault car insurance benefits available under Maryland law. As Attorney Eric T. Kirk will tell you.
Historically, one could obtain benefits, or could decline the availability benefits at least as to themselves-but not for their passengers- by telling their insurance company they did not want the coverage, signing something to that effect, and not paying premiums for the coverage. The Assembly has recently enacted a change in this process. Marylanders now have the option of carrying less insurance. An insured may now reject personal injury protection altogether, so long as
The policy at issue is a minimum coverage [i.e. 30k policy], and either:
- If the policy is offered by the Maryland Automobile Insurance Fund [the MAIF] the applicant has not been insured continuously by the MAIF for at least 1 year.
- If the policy is offered by insurer other than the MAIF and prior to the application, the applicant was insured by an insurer other than the Maryland Automobile Insurance Fund; and that insurer canceled the policy.
I’ve made a career of battling insurance companies, to ensure fair compensation for those I represent. I’d be happy to take a complimentary look at your claim and offer my opinions and advice. feel free to contact me today to schedule a discussion.
- Baltimore Personal Injury Trial Lawyer Eric T. Kirk
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- Baltimore Insurance Claims Denial Lawyer
For over three decades, I have battled against the nation’s largest insurance companies, always endeavoring to ensure my clients receive the compensation they deserve. As lead counsel in thousands of cases across Maryland, New York, and Florida, I have recovered millions for clients whose claims were wrongfully denied and delayed. Whether denying fair compensation for a personal injury victim or denying benefits to a homeowner, Insurance companies employ policy exclusions, technicalities, and lowball offers to deny and defeat claims. They also hire very good lawyers to fight you in court. So should you. When an insurance company unfairly rejects a claim, I stop them.
