Personal Injury and Medical Protection
Think Your Car Insurance Covers Medical Bills from Personal Injury? Think Again
Talk With Insurance Brokers of Maryland About How To Avoid Paying Sky-High Medical Bills
Personal Injury Protection (PIP) Coverage Is a Smart No-Fault Insurance Policy To Have
It’s not fun, but let’s pretend you’ve been seriously injured in a car accident, and your passengers (your family members) were injured and hospitalized too. While doctors work hard to get you better, those medical providers and that hospital are racking up fee after fee . . . all of which you’ll eventually have to pay.
Like we said, it’s not a fun thing to think about – but Personal Injury and Medical Protection is an extremely useful policy to have in-force. Oh, and the standard automobile insurance policy doesn’t cover it.
Understanding Personal Injury Protection (PIP) coverage isn’t difficult, but it’s not necessarily a common, everyday type of insurance policy. PIP insurance is neither car insurance nor health insurance – but it does supplement both.
Basically, PIP insurance is an optional add-on policy that pays out in case you, or any of your passengers, or any involved pedestrians incur medical bills, lost wages, and (depending on the terms of your specific policy) ancillary expenses (child care, home cleaning, funeral costs, etc.) due to injuries sustained in a car accident in or caused by the policyholder’s vehicle.
In Maryland – which is considered a “no-fault state,” meaning that unlike an auto insurance policy, PIP covers medical expenses caused in a car accident, no matter who’s at fault. PIP limits in Maryland are set at a minimum of $2,500 – money paid out beyond what the at-fault driver’s car insurance policy would pay out for medical care.
Maryland requires PIP coverage to be offered, although clients can waive PIP coverage in writing. (Not something we’d recommend. If you don’t carry PIP coverage, you’re responsible for your own medical expenses incurred from bodily injury in a car accident, regardless of which driver was judged at-fault.)
Insurance is there for a reason. Medical treatment can get expensive in a hurry. Personal Injury Protection (PIP) coverage is a smart way to protect yourself from high medical expenses – yours and others’ – in the event of a serious car accident.
It’s Bodily Injury Liability Coverage (and More) That You Shouldn’t Ignore
Be Sure To Cover Medical Expenses, Lost Income, Even Funeral Expenses In Case of an Auto Accident
You might be thinking, “I’ve got car insurance coverage and I can cover my health insurance deductible. How would PIP benefit me?”
Simple: Because liability insurance and those other two coverages likely fall short of providing all the medical payments coverage (and wage loss, and child care, and property damage, and (unfortunately) funeral expenses, and other related costs) you’d need in case of a horrific car accident. PIP differs from health insurance or car insurance coverage in that a PIP policy covers damage, medical bills, and additional protection regardless of who’s at fault – hence, PIP coverage is considered “no-fault coverage.”
Discuss PIP limits with your Insurance Brokers of Maryland agent. If you get too limited coverage, you may not get the total benefit of PIP insurance. For example, imagine you’re in a car accident and you or a passenger require a prosthetic device to perform tasks. Personal Injury Protection (PIP) coverage helps pay for those dire situations. It truly is a type of insurance policy you should have in your portfolio.
Our Independence Is Your Advantage
We Seek Out the Best Policies from Leading PIP Coverage Carriers
In the insurance business, we believe it’s smart to keep your options open. That’s why Insurance Brokers of Maryland has always been an independent agency – because that’s how we deliver more choice and superior service to our clients.
When you talk with your Insurance Brokers of Maryland agent about Personal Injury Protection (PIP) coverage – or, for that matter, auto insurance, health insurance, even homeowners and business and life insurance – your agent will take a more-is-better approach to finding the right policy.
Once we ascertain what policy limits and other parameters and optional add-ons your situation calls for, Insurance Brokers of Maryland does the insurance shopping for you. We get reliable quotes from Maryland’s top insurance companies and present you with the most favorable options, so you see first-hand that you’re getting the best possible policy.
Don’t go with a captive agent who’s only option is a single insurance company. Go independent and work with Insurance Brokers of Maryland, a bona fide independent insurance agency providing excellent Personal Injury Protection (PIP) insurance.
Answering the Insurance Needs of Marylanders Across the Free State
Insurance Brokers of Maryland Serves Folks from Easton to Oakland and St. Michaels to Westminster
Reside in the great state of Maryland? Then you can be a client of Insurance Brokers of Maryland!
We help clients from all over Maryland, from Baltimore and Bethesda, Hagerstown and Hyattsville, Cumberland and College Park. We work with clients who live near the Potomac River, the Chesapeake Bay, the Allegany Mountains, and Garrett State Forest. We help families and businesses throughout Maryland – and we can help you find the best Personal Injury Protection insurance, too.
So wherever you call home – Silver Spring or Salisbury, Gaithersburg or Glen Burnie, Waldorf or Towson or Frostburg – the only independent insurance agency you need is Insurance Brokers of Maryland.
Have a Conversation with Your Insurance Agent at Insurance Brokers of Maryland
We’ll Learn What’s Most Important to You, Then Find the Best Policy To Protect It
Take the next step toward getting your medical costs covered in the event of a car accident. Contact your friends at Insurance Brokers of Maryland and ask about a sensible Personal Injury and Medical Protection policy.
- Give us a call at 301-668-2233
- Connect with us on Twitter @Insurance_MD and Facebook @InsuranceBrokersOfMD
- Visit our offices in Frederick (182 Thomas Johnson Drive, Suite 202) and Emmitsburg (600 East Main Street)
- Send us a message via the form at InsuranceBrokersOfMD.com/contact
As always, we’ll provide you with free quotes whether you reach us online, over the phone, or in-person at one of our offices here in Maryland.
Enjoy even greater peace-of-mind. Talk with the pros at Insurance Brokers of Maryland for Personal Injury Protection (PIP) coverage that’s there for you when you need it most.
Protect Yourself to the Max. Shop for Personal Injury Protection Coverage with Insurance Brokers of Maryland
Car Insurance in Maryland
Liability Car Insurance
If you hit someone and you’re at fault, your mandated liability policy pays for damage to the other party’s property.
Car Collision Insurance
When your trusty transportation gets banged up, get the funds to get it repaired and to get a set of rented wheels in the meanwhile.
Comprehensive Car Insurance
Beyond liability and collision, comprehensive auto insurance enters the picture after storm damage, vandal damage or theft occurs.
Uninsured Motorist Insurance
Just because you’re well-protected doesn’t mean everyone is so prepared. For your benefit, your insurance should pick up where the at-fault party’s insurance leaves off.
Gap Insurance
Let’s say your car gets totaled, but you’re still making the payments. Gap insurance covers those continuing costs for a car you no longer have.
Medical & Personal Injury Protection
Car accidents can hurt, a lot. If medical expenses result, this form of protection comes into play.
Antique Car Insurance
Your classic collector’s item is a source of both pride and equity – but without proper risk-protection, it could become just a memory.
ATV or Boat Insurance
Keep the good times rolling with sufficient insurance on your ATV, boat and other non-road recreational vehicles.
Motorcycle Insurance
Your bike isn’t protected at all by your auto insurance. Make sure your chopper doesn’t cut you down to size with motorcycle insurance.
