Personal Injury Protection (PIP) Benefits

This pays your accident related medical bills. Get the maximum coverage of $250,000.00. One hospital stay can use up this coverage. Do not make your health insurance primary. This will limit your choice of specialists and the amount of care you can receive. It also exposes you to high deductibles, co-pays and surprise charges from medical providers who are out of network. With PIP coverage, disputes over the payment of medical bills or the care you receive are handled through binding arbitration, typically at no cost to you. With PIP coverage, medical providers are limited by law to what the PIP Fee Schedule allows and are not allowed to charge you more.