Areas of Practice

PIP Insurance in Maryland

If you or someone you love has been injured in an auto accident, personal injury protection (PIP) insurance can help pay for everything from medical bills to lost wages as a result of your injuries.

Our Maryland personal injury lawyers can help you get the maximum compensation from your PIP insurance claim. The Law Offices of Peter T. Nicholl can work with the insurance companies to help ensure you receive the compensation entitled to you. We have many decades of experience in negotiating favorable settlements on behalf of our clients. We are ready to put our expertise to work for your case.

Contact us today for a free, no-obligation consultation to learn more about how we can help with your claim. We work on a contingency fee basis, so you will not owe legal fees or other costs unless we recover compensation for you.

Schedule a free, no-obligation case evaluation today by calling 410-244-7005.

What Is Maryland PIP Insurance?

All vehicles registered in Maryland must maintain minimum insurance coverage of:

  • $30,000 bodily injury for one person
  • $60,000 total bodily injury for multiple people
  • $15,000 for property damage

PIP insurance in Maryland is an expanded, and voluntary, type of car insurance that provides no-fault insurance coverage for car accidents. This means the policyholder is covered even if he or she was at fault in the crash.

State law requires auto insurance companies to offer PIP insurance to their policyholders. If a customer does not want the coverage, that person must sign a waiver stating that he or she does not want PIP coverage.

It can be expensive trying to recover after a crash, and PIP insurance is designed to help you pay the bills after being injured. Adding PIP insurance to your policy can provide extra benefits of up to a minimum of $2,500 for reasonable medical, hospital and disability costs that were a result of the accident, according to the Maryland Department of Transportation Motor Vehicle Administration.

Full PIP Insurance versus Limited PIP Insurance

Insurance carriers in Maryland offer full PIP insurance and limited PIP insurance, and you can choose which one is better for you depending on your own situation.

Full PIP Insurance

If you are injured in a collision, full PIP can help cover your:

  • Medical costs
  • Lost wages
  • Disability

Full PIP is designed to help cover the post-accident costs of people who do not already have medical or disability coverage, such as through their employer.

Limited PIP Insurance

If you already have medical and disability coverage, limited PIP insurance can help provide coverage for occupants of your vehicle who were younger than age 16 at the time of the accident. Limited PIP can help you save money on your insurance policy, so you are not paying for two separate policies that offer the same coverage.

After a car crash in Maryland, it is in your best interest to hire a knowledgeable car accident attorney to help you receive the maximum compensation owed to you from your Maryland PIP insurance policy.

Fill out our Free Case Evaluation form to get started.

What Does Maryland PIP Insurance Cover?

Specifically, your Maryland PIP insurance can help cover:

  • Emergency room visits
  • Doctors’ bills
  • Medications
  • Professional nursing
  • Surgery
  • Physical and occupational therapy services
  • Tests to diagnose injuries (X-rays, MRIs, etc.)
  • Hospital stays
  • Prosthetic devices
  • Ambulance rides
  • Dental care
  • Disability
  • Lost income
  • Funeral costs

These benefits are available for the medical expenses and lost income incurred within three years after the crash, according to Maryland Insurance Code Section 19-505(2).

Accident victims have the right to seek compensation for their injuries and other expenses from both the at-fault driver’s insurance and their own PIP insurance.

Our attorneys can help you file your PIP insurance claim and guide you through the entire process. We will work with the insurance company on your behalf to help make sure you are receiving the compensation you are owed.

Who Is Covered by Maryland PIP Insurance?

Your PIP insurance can help reimburse you for expenses associated with a car accident, whether you were impacted as a:

  • Driver
  • Passenger
  • Pedestrian
  • Bicyclist

This special insurance offers extra protection not provided by regular insurance, such as coverage of your expenses even if you were the at-fault party in the car crash. Accidents do happen, and if it is found that you contributed to the collision, the insurance company may reduce or eliminate the payout you receive from normal insurance. Maryland PIP insurance can help cover your medical bills and other costs resulting from the crash if your regular insurance will not cover them.

In addition to the policyholder, full PIP coverage provides benefits to:

  • All members of your family who live with you and are involved in any auto accident, including those involving uninsured or underinsured motorists
  • Any individual who was injured in a crash while using the insured’s vehicle with permission
  • All occupants in the insured vehicle at the time of the crash
  • Individuals who are injured in a crash involving the insured vehicle, including pedestrians

Our skilled lawyers can help you get the most out of your Maryland PIP insurance policy. Contact us today so one of our dependable attorneys can evaluate your claim.

Fill out our free online case review form today.

How Can a Lawyer Help With My PIP Claim?

If you have Maryland PIP insurance, you may be able to collect compensation from both your own insurance company and the at-fault party’s insurance company. However, this is a complicated process with many variables involved, which is why you need an experienced lawyer who can deal with the insurance companies for you.

A trusted attorney at The Law Offices of Peter T. Nicholl can review your Maryland PIP insurance policy, analyze your medical bills and other costs from the accident, and evaluate how much compensation is entitled to you. If you have a valid claim, we will fight for your right to receive maximum compensation.

If an insurance company tries to pay you less than your claim is worth, your attorney may consider filing a lawsuit on your behalf. Insurance companies pay attention to claimants who have attorneys, because they know that we are not afraid to take legal action on behalf of our clients.

Throughout every step of your claims process, our attorneys will fight for your best interests and do everything we can to help you get the maximum compensation you deserve. We will gather all of the relevant data and information necessary to prove the dollar amount owed to you, including the:

  • Medical records from the crash
  • Medical bills from your injuries
  • Police report
  • Work records showing your lost wages
  • Statements from witnesses
  • Testimony from medical experts
  • Photos and videos from the crash scene

Because insurance companies are only interested in making money, it is important that you have an advocate on your side to partner with you through the process of filing your Maryland PIP insurance claim. Our team is proficient in calculating the proper amount owed to you, and then helping make sure you receive the compensation owed to you. We are skilled negotiators who have decades of experience working with insurance companies for the benefit of our clients.

Call 410-244-7005 today to see how we might be able to help you.

How Much Does a Lawyer Cost?

The Law Offices of Peter T. Nicholl work on contingency, which means there are never any upfront costs or fees to you. We only get paid if you do. If we are not able to recover compensation for you, then there are no fees or costs. There is no risk to you.

If you do not hire an attorney to help you with your Maryland PIP insurance claim, you may receive less money than you would otherwise receive from your claim. Our lawyers work to help our clients receive all of the compensation they are owed.

Our law firm has won billions of dollars in successful verdicts and settlements for our clients. Our attorneys can file your claim with your insurance company and help you receive the maximum benefit that is owed to you.

Complete a Free Case Evaluation form today.

Contact an Experienced Maryland Attorney Today

The trusted attorneys at The Law Offices of Peter T. Nicholl are accomplished advocates for the injured who have decades of experience handling car accident cases and working with insurance companies involved in the accident. Our lead attorney, Peter T. Nicholl, is a member of the Maryland State Bar Association and was admitted to the bar of the U.S. Supreme Court in 1985.

If you have been injured in a car crash, call a well-respected lawyer on our team to evaluate your case. We can help you recover compensation from your PIP insurance policy and other possible areas of compensation as a result of the accident. Your consultation is free, and we do not charge any fees or costs unless we recover compensation for your claim.

Give us a call at 410-244-7005 or fill out our
Free Case Evaluation form today.

Contact our personal injury lawyers for a free consultation if you have been injured by another’s negligence. You may be entitled to compensation.