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PIP benefits cover the policyholder, his or her family, passengers in the vehicle, the driver and passengers in another vehicle, and pedestrians injured in the motor vehicle accident. PIP starts paying your medical bills and 85 percent of your lost wages pretty quickly after your accident.
Under Maryland law, PIP insurance is non-subrogable, meaning the payment of a PIP claim by one insurance company does not preclude other individuals or institutions from liability, and your insurer cannot recover from you any money paid by another source.
PIP covers reasonable and necessary medical expenses for injuries sustained in an auto accident up to three years from the date of the accident, without payouts up to $10,000.
If a customer does not want to have PIP, then he or she must sign a waiver stating that they rejected the opportunity to carry PIP coverage. Under the PIP section of Marylands insurance statutes (Insurance Code Section 19-505a), there are listed the types of individuals covered by PIP.
Personal Injury Protection (PIP) is insurance coverage for medical and other expenses such as lost wages resulting from an auto accident, for people specified in the policy, regardless of who is at fault in the accident. PIP coverage is not required in Maryland so not everyone has it.
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How Does PIP Coverage Work? Anybody who is injured in a motor vehicle accident files their own PIP claim with their own insurer. Each drivers insurance company then pays their insured persons damages up to their states threshold amount.
Here in Maryland, if you carry PIP on your car insurance policy and are injured in a traffic collision, your own insurance company will foot the bill for your injury-related hospital and medical costs, as well as some portion of your wages (up to point); however, the actual amount really depends on the coverage you
Although the statute of limitations for filing a personal injury lawsuit in Maryland is three years from the date of a traffic accident, the 12-month window for filing a PIP claim is critical for anyone seeking financial relief for their medical bills and other accident-related costs.

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