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Traffic Accidents

• Auto accident checklist can help you steer clear of potential hassles.
• How do I protect myself and my family if I'm in a car accident?
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Traffic Accidents

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What is the difference between Med Pay and PIP?

A: Medical Payments (Med Pay) covers the medical payments of passengers in your vehicle if they are injured. Personal Injury Protection (PIP) includes that coverage but can also extend to cover other items such as your lost wages.

A few states have passed limited no-fault statutes. Each state has different limits, coverage triggers, and coverage application. However, these statutes typically stipulate that losses under a certain amount are covered by the no-fault system rather than by the at-fault driver's liability coverage. If the no-fault statute applies, the PIP of your own policy would pay your claim.

PIP replaces Med Pay in all states with no-fault statutes.

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FAQs

Traffic Accidents

• I was injured in a car accident and their insurance company told me not to get a lawyer. What should I do?
• I had a car accident over a year ago and underwent treatment. The other driver's insurance company told me to get the treatment I needed and them submit my claim, but now they won't even pay for my treatment. What should I do?
• My insurance agent says I don't need personal injury protection on my automobile policy. What is personal injury protection (PIP)?

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