How Does PIP Insurance Work?
States with no-fault auto insurance laws generally require motorists to carry personal injury protection or “PIP” insurance. It covers specific losses and injuries that motorists may suffer in accidents, regardless of who is at fault. PIP insurance is optional in Nevada. However, motorists who do not carry it can face substantial expenses if an at-fault driver in an accident is uninsured or underinsured.
The car accident lawyers at Valiente Mott represent drivers and their passengers who have sustained severe injuries and losses in car accidents. Even if you carry PIP insurance, that coverage will not pay all of your expenses and damages, and you will need to file a car accident lawsuit to recover full reimbursement. Our lawyers are compassionate yet aggressive when protecting personal injury victims who have been seriously injured due to the negligence of another driver.
What are the benefits of PIP insurance?
If you carry PIP insurance, you will submit claims for reimbursement for medical costs and expenses directly to your insurance company—not to the insurer that covers the at-fault driver. Your insurance carrier is responsible for paying those expenses up to the limits of your PIP coverage. Depending on your policy, it might also reimburse the following: a portion of the wages you lose if you are unable to work, funeral expenses if the accident resulted in a fatality, certain losses incurred by survivors of an accident victim, and essential services that you need while recuperating from injuries.
Because you are filing claims directly with your PIP insurance carrier, you will likely receive reimbursements more quickly.
If you carry PIP insurance, do you still need to file a car accident lawsuit against an at-fault driver?
Yes, because your expenses after a serious car accident will likely exceed the limits of your PIP coverage. At that point, you will need to pursue the at-fault drive to recover compensation for all your damages and losses. Further, PIP insurance does not cover vehicle damage and other costs associated with your pain and suffering.
Even if you carry PIP insurance and anticipate that your damages will be reimbursed, you should always consult with an experienced Vegas accident attorney. They can determine if other reimbursements are available for losses and damages that may not be readily apparent immediately after your car accident.
Call Valiente Mott in Las Vegas for More Information on PIP Insurance in Nevada
For a complimentary assessment of the damages you may be eligible to recover from your PIP insurance and the liability insurance of the at-fault driver, please call Valiente Mott as soon as possible. Our injury attorneys will review your case and provide a fair estimate of the damages you may be entitled to recover from all available insurance carriers. If you retain us and we accept your case, we will fight to recover the maximum damages award so that you can rebuild your life.