Getting PIP For Your Car Accident
After you have been hurt in a car accident, first thing you should do is seek medical attention. Your health and quality of life are the most important things to consider after you have been in an accident. But, once you've been to the ER or had a hospital stay, the medical bills will start to come in.
Not only are you going to receive medical bills from the Ambulance Service that took you to the hospital, but the actual hospital will also send you medical bills, add in x-rays, follow up visits, medication, surgeries, etc. This will lead to a huge build up in medical bills.
To make things more complicated, what happens if you're hurt and cannot work? Or what happens if you can work but you have no money saved up for all these bills?
PIP in Texas
PIP also known as Personal Injury Protection can help cover your medical bills. PIP should cover as much as 80% of your medical bills or up to $10,000. It must be noted by the health professional that your car accident was an Emergency Medical Condition (EMC). PIP will start to pay your medical bills that resulted in bodily injury due to a car accident.
Not An EMC
If you don't fall under an EMC, you can still get some help for your bills. If your health provider will not or has not deemed your car accident and your injuries an Emergency Medical Condition, you can still get $2500 for your bills. It's not nearly as much as if it were deemed an EMC.
PIP Will Pay For Lost Wages
PIP in Texas will also try to help pay for some of your lost wages. If you are in a car accident and need time off for work, to heal, to go to appointments, etc PIP will pay up to $10,000 in lost wages.
$2500 - $5000 Death Benefit
On the other hand, if you are the loved one of someone that passed because of a car accident, your family is automatically eligible for death benefits. While $5,000 isn't a lot, it can help pay a portion of final costs.
Why You Need A Lawyer To Collect PIP
In any type of a case where you've been injured, even if its a state with PIP, it's a good idea to hire a lawyer. A lawyer will make sure your rights are not taken from you and that the process is done legally so you can get as much compensation as possible while also getting healthy and back to your normal self.
When a lawyer is involved they will file a PIP benefit application. They will also help document the medical bills for your car accident, as well as any loss of wages. Then, they will submit the form(s) to the insurance company. Usually, payment will receive 30 days after it's been submitted at which time the check will be used to pay any outstanding bills. If the bills have already been paid by the insurance company, the check is instead sent to the client.
In order to process the PIP applications quicker, you will need to provide as many bills, forms, documents or receipts from the accident as you can.
Collecting PIP payments and submitting the paperwork for the application is a courtesy to clients, on their behalf. That's the benefit of having a lawyer in situations like this; they have experience in these situations and know exactly what to do, who to talk to and what steps to take next.