What Does PIP Insurance Cover in New York?
After a New York car accident, one of your first concerns may be getting compensation for the suffering you’ve been put through. You’re hurt, and those injuries may get expensive over time. Unfortunately, you may be unsure of what your insurer can or will do about that.
You know you have insurance coverage, but what does PIP insurance cover in New York? If you’re not sure what coverage you may have available, reach out to a lawyer from Greenstein & Milbauer, LLP. We can review your policy and make sure they’re offering you the full amount you deserve.
Coverage for Typical Injuries
When you’re hurt in a car accident, one of your first options for recovery is your insurance coverage. New York is a no-fault state, which means that, if you’re injured in an accident, you’re usually eligible for insurance coverage—regardless of fault in the crash. Even if you believe you were partially responsible for the crash, your insurance should still cover the damages.
That’s where your personal injury protection (PIP) insurance comes in. This insurance covers your injuries when you’re hurt in an auto accident. Your medical expenses, lost wages, and other expenses should be covered.
To get your coverage, simply call your insurance company and notify them of your wreck. They’ll determine how much your claim is worth and offer you a settlement.
The Serious Injury Threshold
However, not all injuries are fully covered under your PIP insurance. Instead, you might have suffered major injuries that exceed the “serious injury threshold.” These injuries are so severe and expensive that you may need to contact an attorney about filing a lawsuit instead.
A serious injury is generally an injury that causes a death or a loss of use or limitation of some part of the body. For example, if you lost an arm in the car accident, you may be eligible to file a claim and fight for your compensation in court.
The following injuries are considered serious, so you’ll need to contact an attorney if you or a loved one has suffered any of the following injuries in an auto accident:
- Bone fracture
- Loss of fetus
Get the Full Settlement You Deserve
Unfortunately, recovering after a car accident is rarely easy. You need compensation to recover completely, but what does PIP insurance really cover in New York? You may even be concerned that your insurer won’t offer the full settlement you deserve.
When that happens, you may need to seek out a lawyer from Greenstein & Milbauer, LLP for help. When you’re struggling to overcome your injuries and get the settlement you deserve, contact our attorneys for a free consultation. We’ll discuss what your insurance should cover and how you may need to fight back.
Reach out by calling 1-800-VICTIM2 (842-8462) or filling out the online contact form below.