By: Matthew Tievsky
Personal Injury Protection ("PIP") is a form of insurance that automatically pays you a set amount of money
for medical bills and lost wages when you are hurt in an automobile accident.
You receive PIP regardless of whether you were at fault for the accident,
so it is available immediately. Additionally, if someone else hurts you and you bring a lawsuit against
the wrongdoer, the amount you are entitled to in court is not affected
by any PIP payments you received separately. In short, PIP is win-win.
Some of our clients express fear that making a PIP claim on their own automobile
insurer will hurt them, however, in the form of raised insurance rates.
Fortunately, in Maryland, this shouldn't happen, because it is illegal.
Maryland Code, Insurance Article, 19-507(c) expressly holds that
your insurer cannot charge you for making a PIP claim. After all, you've been paying premiums for your PIP protection; it
would be unfair for your insurer to now additionally charge you for using
the benefits you already purchased. PIP really is a no-lose proposition;
you should always make a PIP claim after your accident, if you have PIP
If you have any questions about your available insurance benefits, after
an automobile collision, you should contact a Maryland personal injury
attorney at Chaikin, Sherman, Cammarata & Siegel, P.C.